First Party Benefits on an auto policy cover you and the passengers in your car for things like medical payments, accidental death payments, work loss payments, and other damages sustained as a result of a car accident. They even will cover you if you are hit by a car when you are a pedestrian crossing the street.
Additionally, when you are insured with a Personal Auto Policy, First Party Benefits also cover you and your immediate family members when you are driving or are a passenger in any other vehicle. In this way, 1st Party Benefits from a Personal Auto Policy “follow” the policyholder.
For this reason, Business Auto Policies in Pennsylvania are often written with minimum First Party Benefits, since a business owner’s Personal Auto Policy can still provide them with these coverages when they are driving a commercially insured vehicle. This can be a good way to save on insurance premiums, since employees riding in work vehicles, for the purpose of work-related tasks, will be insured by a Worker’s Compensation Policy.