There are mandatory auto insurance laws in Pennsylvania that every driver who operates a vehicle in Pennsylvania must follow. When looking into pa auto insurance rates, keep these in mind.
- In the state of Pennsylvania all drivers must carry a minimum of auto liability coverage in the amount of $15,000 for bodily injury (BI) per injured person
- In the state of Pennsylvania all drivers must carry a minimum of auto liability coverage in the amount of $30,000 for bodily injury per accident
- In the state of Pennsylvania all drivers must carry a minimum of auto liability coverage in the amount of $5,000 property damage liability coverage and $5,000 personal injury protection (PIP)
- All drivers operating in Pennsylvania must carry proof of insurance at all times
- The Pennsylvania Insurance Department holds that if you are stopped by law enforcement for a moving violation and law enforcement officials determine that you are operating your vehicle without insurance, you can be subject to the following penalties and expenses:
- a minimum of $300 fine for driving uninsured
- a three-month suspension of your vehicle registration
- a three-month suspension of your driver’s license
- renewal fees to renew your vehicle registration
- renewal fees to renew your driver’s license
- vehicle impoundment.
In addition to the above penalties, no other person may drive your vehicle during the time the registration is suspended.
Mandatory auto insurance laws in Pennsylvania also pertain to rental cars. Rental cars must also carry the minimum liability coverage required by Pennsylvania law. Most Pennsylvania auto insurance policies include coverage for car rentals as a matter of course. In addition, if you pay for your rental car with your credit card, most credit cards have automatic coverage for car rentals. Drivers would be wise to check their auto insurance policy and/or check with their credit card issuer. In the case that your credit card will not insure your rental car, then you must purchase car rental insurance from the car rental provider.
Auto insurance laws in Pennsylvania do not require that drivers purchase uninsured/underinsured motorist coverage. However, most insurance companies recommend carrying this coverage to protect you from an at-fault driver who does not have the proper insurance or does not have enough insurance to cover your damages.
Und mandatory auto insurance laws in Pennsylvania, the policy holder may exclude other persons in the household from their auto insurance policy. A policy holder may only do this if the excluded person can establish that they have purchased and maintained auto insurance with either another insurance provider or through the Pennsylvania assigned risk program.
In the state of Pennsylvania, a lapse in insurance coverage longer than 30 days can result in the suspension of your vehicle’s registration for a period of three months. In addition, the driver must be able to prove to the Pennsylvania Department of Transportation that he or she did not operate the vehicle during the period of the lapsed coverage.
Related posts: