There are several other ways for a motorist to increase their protection which are not required by the state. Although Pennsylvania was ranked as having one of the lowest percentages of uninsured motorists in 2007, with only roughly 7%, some drivers may still opt into purchasing Uninsured Motorist coverage. This covers bodily injuries done to the driver, their passengers, or their family should they acquire any injuries from being involved in an accident with an uninsured motorist. Additionally, many people choose to include Comprehensive coverage into their policy in order to pay for damages resulting from hazards or theft. Generally, this covers damages from things such as fire, flood, vandalism, or striking an animal. Typically, the exact forms of protection are detailed in the declarations page of the the policy.

To become more adequately protected, PA motorists are encouraged to simply increase the limits on their policies. By doing so, not only will they be meeting the state standard, but they will also have increased coverage in the event of a traffic accident. For example, the Keystone State requires $5,000 medical coverage. If the policyholder is in an accident that results in the insured suffering a serious injury that $5,000 could quickly be used up. If there were passengers in the vehicle that were similarly hurt, then the driver may find themselves paying a considerable amount of money out of pocket to compensate for injuries that they may be liable for. By increasing this amount, or any of the other amounts, an insured driver could end up saving themselves from large bills in the future. If additional coverage is still desired, however, residents are encouraged to explore the Pennsylvania Automobile Insurance Guide to compare their options and remain informed on state policies.