Although it seems somewhat odd, the medical benefits under your automobile insurance must be used first to pay for any treatments that you require for injuries sustained in an accident. Under Pennsylvania law you are required to have a minimum of $5,000 in medical benefits under your automobile insurance policy. While this seems to be a small amount of coverage, the law limits the amount that a health care provider can charge for treatment that is caused by injuries sustained in an automobile accident. This increases the amount of treatment that the medical benefits under your automobile insurance policy will provide to you and members of your family.