Many motorists wonder about how out of state driving infractions will affect their automobile insurance rates back home. Most Pennsylvania motorists are quite concerned about keeping their Pennsylvania car insurance rates down. Therefore, they take great care to drive safely. However, interstate car travel has become so easy today that it is not unusual for drivers to receive speeding citations while travelling through another state. Some drivers have even received more serious driving infractions such as DUI while out of their home state.
How Out of State Infractions Affect Your Car Insurance Rates
When it comes to driving infractions, most states have agreements between them to inform each other of violations that occur within their state. These agreements require that out of state driving violations be made known to the Department of Motor Vehicles (DMV) in a driver’s home state. Depending on the state where you live, these infractions may become a part of your permanent driving record.
The policy for recording out of state traffic violations on a person’s permanent driving record varies from state to state. Some states require that all infractions be recorded on a driver’s record while other states only record serious infractions. Drivers with multiple traffic violations will eventually be considered high risk by both the DMV of their state and insurance companies alike. High risk drivers always pay higher insurance rates than those with good driving records.
In Pennsylvania, out of state speeding violations are not considered serious traffic infractions. Therefore, it is not mandatory that these violations be recorded on a driver’s record. In fact, your insurance company may not even be informed that these violations exist. As a result, your Pennsylvania car insurance rates would not be adversely affected by them. If your speeding infraction caused an accident, however, that would be noted on your driving record, which could affect the cost of your insurance.
Serious infractions that occur out of state such as reckless driving or DUI are recorded on your driving record and these could have an impact on your insurance rates. Whether you are buying car insurance in PA for the first time or are renewing a policy, your insurance company can review your driving record to get an idea of what kind of driver you are. A poor driving record will reflect negatively upon you when it comes to getting car insurance in PA and will undoubtedly result in higher Pennsylvania car insurance rates.
PA Car Insurance Laws
In accordance with PA car insurance laws, vehicle insurance is obligatory in Pennsylvania, as it is for all U.S. States. Different states may vary, however, in the type of insurance coverage they require. In Pennsylvania, mandatory auto insurance for a private vehicle includes Bodily Injury Liability, Medical Benefits, Property Damage and Limited/Full Tort coverage. Pennsylvania drivers can also choose extra coverage such as collision, uninsured motorist, accidental death, comprehensive, etc.
Pennsylvania car insurance rates run on the high side, depending on the insurance company you use and the coverage you choose. Your personal driving record will also affect your insurance costs. For this reason, it is important to maintain a safe driving history. Cultivating bad driving habits such as speeding, regardless of where you travel, poses great risk to you and others. It is much better to drive safely and securely everywhere you go and avoid any risk of traffic violations or possible accidents.