Pennsylvania Car Insurance

Car Insurance in Pennsylvania

In the state of Pennsylvania you can satisfy the states requirements of financial responsibility two ways. The easiest way is by securing an auto insurance policy through a state licensed insurance company. The other way is by providing the Insurance Department the necessary information listed under the alternatives tab. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Pennsylvania online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Pennsylvania requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

Medical Benefits — This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage.
Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage.

Accepted proof of insurance:

A copy of the insurance identification (ID) card issued by an insurance carrier or by a self-insured.
A copy of the declaration page of an insurance policy
A copy of a valid binder of insurance
A copy of a letter from the insurance carrier that verifies the proof of financial responsibility of the insured on official company letterhead signed by an insurance agent or authorized representative of the insurance company.

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For more information about insurance in the state of Pennsylvania you can contact the Pennsylvania Insurance Department at (717) 787-2317 or visit the Pennsylvania Insurance Department web site.

Outside of purchasing auto insurance to meet your financial responsibilities in the state of Pennsylvania you can apply  for the following insurance alternatives. These alternative options will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter.

Approved insurance alternatives:

Self-insured. Security deposit of $50,000 for one vehicle, and $10,000 for each additional vehicle. Collateral can come in the form of US currency, US Treasury bills, US Treasury notes, escrow deposits (for the sole purpose of covering requirements for self insurance) in banks, credit unions and savings/loans, bonds, and other security offered for review by PennDOT.

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For more information about insurance in the state of Pennsylvania you can contact the Pennsylvania Insurance Department at (717) 787-2317 or visit the Pennsylvania Insurance Department web site.

The state of Pennsylvania takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

you could face 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
Restoration fees to restore your vehicle registration
Restoration fees to restore your driver’s license
Vehicle impoundment

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For more information about insurance in the state of Pennsylvania you can contact the Pennsylvania Insurance Department at (717) 787-2317 or visit the Pennsylvania Insurance Department web site.