Pennsylvania Car Insurance
Pennsylvania operates under a set of No-Fault car insurance laws and all registered vehicles are required to have liability car insurance with minimum levels of coverage. Car insurance laws in Pennsylvania are set by the Pennsylvania Department of Transportation and failure to comply with these laws may result in your vehicle registration being suspended for a three month period, heavy fines and personal liability for damages.
Pennsylvania Car Insurance Requirements
All vehicles registered in Pennsylvania must maintain vehicle liability insurance to cover any damages or injuries to others in the event of a car accident. As of 2010 The Pennsylvania Department of Transportation requires at least:
- $15,000 liability insurance for injury or death (one person)
- $30,000 liability insurance per accident (all persons)
- $5,000 of property damage liability insurance
Even with no-fault insurance laws these minimum liability insurance requirements are much lower than any responsible driver should have. What you need to realize is car insurance covers damage only up to your policy limits and for insured events. Without the right type of coverage and high enough limits you potentially expose yourself to great personal liability.
Additional PA Car Insurance Options
Imagine being involved in a car accident with more than $15,000 damage. This is actually very common considering the price of cars and exorbitant medical costs today. While the State of Pennsylvania does require auto insurance it does not require nearly enough to provide any kind of adequate financial protection in any kind of serious car accident. If damages exceed your limits of coverage injured parties can still sue you for damages even if Pennsylvania is a no-fault insurance state.
Most all Pennsylvania car insurance companies offer much higher limits of coverage and every driver should really seek at least $50,000 to $100,000 in liability insurance. The cost of adding higher policy limits is actually quite nominal. You also want to consider different types of coverage such as GAP insurance or medical payments.
What are Pennsylvania No Fault Car Insurance Laws?
Only around 25% of States have no-fault car insurance laws and these laws provide a very efficient way to handle most car accidents. No one is technically at-fault so claim handling is much more efficient although the downfall is you have to file a claim even if the accident was not your fault.
Pennsylvania Car Insurance Rates
No matter where you live car insurance premiums are based on a number of variables. From your driving record to the type of insured vehicle to your credit score all auto insurance companies use a risk based model to evaluate your driving profile and determine how much risk you pose as a driver. Risk is not defined as how good of a driver you are but a combination of many factors which all lead to an insurer forecasting what the odds are you will file a future claim.
With almost 175 car insurance companies in Pennsylvania however it will be pretty easy to find affordable auto insurance premiums for most drivers. Even high risk drivers have many specialized providers such as the General Car Insurance Company to choose from. Whatever you do just always compare car insurance companies as the first quote is hardly ever the best quote.
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