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Which first-party benefit is offered as an OPTIONAL coverage (not statutorily mandated) under 75 Pa.C.S. § 1712 on a PA private passenger auto policy?

Q: Which first-party benefit is offered as an OPTIONAL coverage (not statutorily mandated) under 75 Pa.C.S. § 1712 on a PA private passenger auto policy?

Income loss benefits — § 1712 catalogs first-party benefits that insurers must OFFER in PA: income loss, accidental death, and funeral expense. Only the $5,000 medical benefit under § 1711 is mandatory. BI and PD are third-party liability coverages, not first-party PIP benefits.

Income loss benefits

B$5,000 medical benefits

CBodily injury liability

DProperty damage liability

Why this is the answer

§ 1712 catalogs first-party benefits that insurers must OFFER in PA: income loss, accidental death, and funeral expense. Only the $5,000 medical benefit under § 1711 is mandatory. BI and PD are third-party liability coverages, not first-party PIP benefits.

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