It is important to understand the various Pennsylvania auto insurance laws. Why? Because understanding these laws may just end up keeping you safe and saving you some money! Laws regarding car insurance change greatly depending on the state you live in. Some places have very straight forward or even practically non-existent laws, while others have more complicated and detailed laws. No matter where you live it is essential to know certain laws regarding auto insurance if you own a car. The state of Pennsylvania is no exception. There are, in fact, 5 car insurance laws in PA that you need to know.
Law #1 – PA’s Minimum Requirements For Car Insurance
The state of Pennsylvania mandates that you carry minimum liability limits of $15,000 per person bodily injury, $30,000 per accident total bodily injury and $5,000 per accident property damage. It also requires you to carry $5,000 in medical expenses coverage. These limits are extremely low and not satisfactory protection for most people when involved in a serious accident.
Law #2 – PA Is A No-Fault Auto Insurance State – Sort Of
You need to choose if you will have a limited tort or full tort option on your PA car insurance policy. Choosing full tort gives you better coverage if you are hurt in an accident. Limited tort is less expensive but it prevents you from receiving compensation for pain and suffering by limiting your right to sue the other party.
Law # 3 – There Are Hefty Penalties For Not Having PA Car Insurance
If you are caught driving without liability car insurance in the state of Pennsylvania, you will get a 90-day suspension of your license and several fines and fees.
Law # 4 – Pennsylvania Has An Assigned Risk Plan
In Pennsylvania, there is an assigned risk plan that ensures everyone can get auto insurance, no matter how high-risk they are. If you have been refused coverage, cancelled, or are having trouble getting coverage, you may want to check into it.
Law # 5 – You Can Stack Uninsured Motorist Coverage For Extra Protection
If you have more than one vehicle on a policy, you can stack the UM coverage on them for an additional premium and get additional protection.