New Laws Affect Car Insurance For Teen Drivers In Pennsylvania

June 30, 2013 in bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, learner’s permit, Pa Car Insurance, suspensions

There is now a mandatory requirement for teens to have Pa car insurance.  They also must take a minimum of six-months to build up skills before taking the road test.  This includes a minimum of 65-hours of certified behind-the-wheel skill building.  In addition, there are 10-hours certified nighttime behind-the-wheel driving hours; and 5-hours of certified bad weather driving.  These laws are because Pennsylvania wants teen drivers to be safe drivers.

Additionally, an adult must be 21 or older to teach a teen to drive.  The students permit will be valid for one year.  After that period, a new permit is required.  When a student is behind the wheel, the number of passengers cannot go over the number of seat belts in the car.

All learner’s permit holders are under the same laws as licensed drivers.  Additionally, they must have completed all required skill training, from an instructor, before they can receive their junior license.  Pennsylvania laws now require all drivers and passengers to have and wear a seatbelt.  The seatbelt must have the correct adjustment and fastening.  Failure to obey the seat belt law is a major offense and any driver stopped will receive a ticket.

There is a mandatory 90-day suspension for traffic speed convictions exceeding 25 miles per hour or more over the posted speed limit.  There is a suspension for six-points or more that are accumulative.  For example, two tickets of 3-points each would mean a suspension.  This is very important to note because a suspension means it will be difficult to get or keep car insurance.

Pennsylvania laws are important and should have a discussion between parents, teens, and an insurance agent prior to beginning the driving experience.  This would be Pennsylvania laws about car insurance that is a requirement.

If the family member is 16-18 and has a junior license, they need car insurance for a new or used vehicle in Pennsylvania.  At the time of the purchase, you register with the state, and proof of insurance is required before driving anywhere.  If the car will have a registration separately in the teen’s name, the car insurance could then be a separatepolicyholder coverage only if deemed appropriate by the parent.

Find an insurance agent that can give you some ideas about Pennsylvania laws on car insurance for younger drivers.  Being financially responsible is a primaryissue that needs additional discussionwith parents, the teen driver, and the insurance agent.  Teens need to know they are going to be responsible for gas, car payments, car insurance, and maintenance.  They also must follow Pennsylvania laws for driving.  The Department of Motor Vehicles guide can help all drivers gain the knowledge of the laws pertaining to car insurance in Pennsylvania.