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Criteria Used By Companies to Determine Your Pennsylvania car Insurance

1. What does auto insurance in Pennsylvania entail?

Like in many states, auto insurance basically offers cover for every occupant in the vehicle at the time the accident occurs. The person driving the car must have had your authority to drive the vehicle. Basic minimum liability insurance only covers the other party involved in the accident and not you. Therefore, it would be wise to purchase additional coverage from a licensed and reputable auto insurance company in Pennsylvania. Such coverage includes PIP, comprehensive, collision and uninsured motorist coverage. This will protect you in case of an accident and cover costs related to medical expenses, storage expenses, towing expenses, facilitation expenses and other expenses that you would otherwise pay out-of pocket. The insurance company giving you coverage may decide to ask you to list all the persons in your household expected to drive the insured vehicle so that if they are driving when an accident occurs, they are covered as well.

2. What if I do not have insurance and I decide to drive – what then?

The law is clear that all Pennsylvania motorists are obligated to have financial responsibility not necessarily auto insurance. If you do not have insurance, you should have a surety bond listing two people with real property in Pennsylvania, deposit a cash amount with the county judge or comptroller or be self insured. If you do not any of the above and you do not have Pennsylvania car insurance, then you have no business driving in the state. You will be penalized and or fined for this violation which is taken very seriously in Pennsylvania. Your driver’s license and registration may be suspended or revoked or even have your car impounded. In the worst case, you may face criminal charges and end up doing some jail time.

3. What is the criterion used by my auto insurance company to determine my policy?

There are a number of ways that your Pennsylvania car insurance company determines the type of policy you may get and the rates you are expected to pay. The most common aspect is the risk level you present to the company. If you are a driver who is prone to accidents or your driving record is tainted, then the insurance carrier will definitely give you higher premiums. On the other hand, if you have a clean driving record, maintain low annual mileage and have taken the state approved safe driver exam, your Pennsylvania car insurance carrier will have more faith in you and give you a low premium rate. Other factors are the locality of you residence to consider the risk level for theft or proximity to calamity prone zones.

Hopefully, the above questions have been answered satisfactorily. They are just but a few of the queries on the minds of many residents looking to delve into auto insurance in Pennsylvania. For more information on this and also to get free quotes from top insurance companies in the state, enter your zip in the space provided at the beginning of this page.