Pennsylvania has slightly more stringent auto insurance requirements than some states. Drivers registered in the state are legally required to carry $15,000 per person/$30,000 per accident bodily injury liability coverage, $5,000 property damage liability coverage and mandatory $15,000 per person/$30,000 per accident uninsured motorists coverage. Most states do not require drivers to carry uninsured motorist coverage, but it can be a nice thing to have. Without it, any accident you are involved in with an uninsured driver may result in you paying for all your medical costs and property damage yourself – unless you also have collision coverage.