Pennsylvania Auto Insurance Legislation
Pennsylvania generally requires all drivers to carry at least liability coverage in their insurance policy. If a driver wants to operate a vehicle on the Pennsylvania roadways, they must abide by the PA Motor Vehicle Financial Responsibility law. If the driver refuses to abide by this law, they may face suspension of their driver’s licenses, as well as the registration to their vehicle.
Liability insurance usually pays for damages that occur in a collision. In PA, a driver must usually carry at least $15,000 to cover each injured person, as well as bodily injury. They must also be equipped with $30,000 for each incident that occurs. Drivers are usually able to purchase additional liability to help cover their home and assets against any claims that may exceed what the required amount meets.
PA usually requires their drivers to choose from tort that is full or limited. Drivers that choose to have their tort limited, limits their possibility of filing a lawsuit for damages caused by incidents. This option can usually provide car owners with a lower rate, as well as decreases the risk to the insurance provider. On occasion, there are cases when PA courts can make an exception to the limits. The option of full tort will usually increase the premium, but not restrict the driver from suing for damages.
Drivers who fail to follow the insurance law are usually subjected to a three month suspension of the driver’s license, and registration of their vehicle. For the driver’s license and registration to be restored, the driver must usually provide documentation to Pennsylvania’s department of motor vehicles that insurance has been purchased. Drivers are also usually subjected to fines.
Drivers who have had their insurance policy cancelled by the insurance provider, but reactivated within 31 days are usually not subjected to the penalty of suspension. However, it is usually illegal for the driver to operate their vehicle during the period of being uninsured. If you need more information on obtaining auto insurance in Pennsylvania, please read “Pennsylvania Auto Insurance Quotes”.