PA

Pennsylvania Insurance Regulations

Consumer rights and insurance laws in Pennsylvania

Overview

Pennsylvania Insurance Department oversees a choice no-fault insurance system where drivers select between full tort and limited tort options. The limited tort option offers lower premiums but restricts the ability to sue for pain and suffering.

Key Insurance Regulations in Pennsylvania

  • Choice no-fault state — full tort or limited tort options
  • Modified comparative fault — barred at 51% or more fault for tort claims
  • 2-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 15/30/5 minimum liability with PIP

Filing an Insurance Complaint in Pennsylvania

If you believe your insurance company has acted unfairly or violated Pennsylvania insurance laws, you can file a complaint with the Pennsylvania Insurance Department. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Pennsylvania Insurance Department typically responds to complaints within 30 days.

Pennsylvania Insurance Department

Insurance Commissioner: Michael Humphreys

Phone: (877) 881-6388

Website: https://www.insurance.pa.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Pennsylvania

Yes. Pennsylvania courts measure damage to a car using the Restatement of Torts rule, which allows for any difference between the original value and the value after repairs (Holt v. Pariser, 1947), so you can claim diminished value from the at-fault driver's insurer. You have two years to sue for injuring personal property (42 Pa.C.S. § 5524(3)). Pennsylvania uses modified comparative negligence: you recover if your negligence is not greater than the defendants', reduced by your share.

Read the Pennsylvania diminished value guide

Insurance Claim Guides for Pennsylvania

Browse our detailed insurance claim guides tailored specifically to Pennsylvania laws and regulations.

Auto Insurance Claims in PennsylvaniaHome Insurance Claims in PennsylvaniaHealth Insurance Appeals in PennsylvaniaInsurance Denial Letter Templates in PennsylvaniaDemand Letter Guide in PennsylvaniaInsurance Settlement Calculator Guide in PennsylvaniaDiminished Value Claims in PennsylvaniaTotal Loss Dispute Guide in PennsylvaniaBad Faith Insurance Claims in PennsylvaniaUnderinsured Motorist Claims in PennsylvaniaUninsured Motorist Claims in PennsylvaniaRental Car Insurance Coverage in PennsylvaniaGAP Insurance Claims in PennsylvaniaInsurance Subrogation Explained in PennsylvaniaPIP (Personal Injury Protection) Guide in PennsylvaniaBodily Injury Claims in PennsylvaniaProperty Damage Claims in PennsylvaniaLiability Claim Process in PennsylvaniaComprehensive Insurance Claims in PennsylvaniaCollision Insurance Claims in PennsylvaniaFlood Insurance Claims in PennsylvaniaFire Insurance Claims in PennsylvaniaTheft Insurance Claims in PennsylvaniaVandalism Insurance Claims in PennsylvaniaAuto Glass Insurance Claims in PennsylvaniaHail Damage Insurance Claims in PennsylvaniaWind Damage Insurance Claims in PennsylvaniaWater Damage Insurance Claims in PennsylvaniaMold Insurance Claims in PennsylvaniaRoof Damage Insurance Claims in PennsylvaniaFoundation Damage Claims in PennsylvaniaSinkhole Insurance Claims in PennsylvaniaEarthquake Insurance Guide in PennsylvaniaHurricane Insurance Claims in PennsylvaniaTornado Damage Insurance Claims in PennsylvaniaLightning Damage Insurance Claims in PennsylvaniaTree Damage Insurance Claims in PennsylvaniaFence Damage Insurance Claims in PennsylvaniaAppliance Breakdown Claims in PennsylvaniaIdentity Theft Insurance Claims in PennsylvaniaCyber Insurance Claims in PennsylvaniaPet Insurance Claims in PennsylvaniaTravel Insurance Claims in PennsylvaniaLife Insurance Disputes in PennsylvaniaDisability Insurance Claims in PennsylvaniaWorkers' Compensation Claims in PennsylvaniaLong-Term Care Insurance Claims in PennsylvaniaDental Insurance Appeals in PennsylvaniaVision Insurance Claims in PennsylvaniaPrescription Drug Appeals in PennsylvaniaAccident Scene Documentation in PennsylvaniaInsurance Adjuster Tactics in PennsylvaniaDiminished Value Calculator Guide in PennsylvaniaTotal Loss Vehicle Valuation in PennsylvaniaCCC Valuation Report Explained in PennsylvaniaPain and Suffering Calculation in PennsylvaniaMedical Bills in Auto Claims in PennsylvaniaLost Wages Insurance Claims in PennsylvaniaFiling a Bad Faith Insurance Lawsuit in PennsylvaniaWhen to Hire a Car Accident Lawyer in PennsylvaniaInsurance Claim Timeline Guide in PennsylvaniaIndependent Vehicle Appraisal Guide in PennsylvaniaAppraisal Clause in Auto Insurance in PennsylvaniaDiminished Value by State in PennsylvaniaTotal Loss Threshold by State in PennsylvaniaRental Car After an Accident in PennsylvaniaYour Rights During Car Repairs in PennsylvaniaOEM Parts in Insurance Claims in PennsylvaniaInsurance Negotiation Tactics in PennsylvaniaDemand Package for Auto Claims in PennsylvaniaCommon Insurance Claim Denial Reasons in PennsylvaniaStatute of Limitations for Auto Claims in PennsylvaniaFiling Claims in No-Fault States in PennsylvaniaAt-Fault Accident Claims in PennsylvaniaComparative Negligence in Claims in PennsylvaniaUninsured Motorist Property Damage in PennsylvaniaHit and Run Insurance Claims in PennsylvaniaParking Lot Accident Claims in PennsylvaniaRideshare Accident Insurance Claims in PennsylvaniaCommercial Vehicle Accident Claims in PennsylvaniaDeer Collision Insurance Claims in PennsylvaniaFlood Car Damage Claims in PennsylvaniaCatalytic Converter Theft Claims in PennsylvaniaCar Break-In Insurance Claims in PennsylvaniaTire Blowout Accident Claims in PennsylvaniaPothole Damage Insurance Claims in PennsylvaniaHail Damage Car Claims in PennsylvaniaHow to Review Your Auto Insurance Policy in PennsylvaniaAuto Insurance Coverage Gaps in PennsylvaniaMulti-Vehicle Accident Claims in PennsylvaniaDisputing Fault Determination in PennsylvaniaFiling an Insurance Commissioner Complaint in PennsylvaniaNegotiating Diminished Value Claims in PennsylvaniaFighting a Total Loss Declaration in PennsylvaniaBodily Injury Settlement Guide in PennsylvaniaInsurance Fraud Prevention Guide in PennsylvaniaSubstandard Auto Repair Claims in PennsylvaniaTotal Loss Buy-Back Process in PennsylvaniaInsurance Claims After a DUI in PennsylvaniaCommercial Auto Insurance Claims in PennsylvaniaStorage Unit Insurance Claims in Pennsylvania

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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