Helpful agents are standing by: (484) 652-8332
Press play below to listen to our audio commercial:

Penalties of Not Complying With The Pennsylvania Car Insurance Laws

According to a 2009 research, 8 million registered drivers drove the state roadways. The shocking news is that only 9% percent of these drivers had auto insurance. The main purpose of auto insurance is to protect the motorists, passengers, pedestrians and properties in the event of an accident. It protects you from financial expenses incurred in the form of medical bills, repairs and maintenance costs and also damage costs. Nobody plans for an accident. Therefore, most of the drivers are found in an awkward situation since they have no or they only have little money spared to take care of them after an accident. There are a number of people that have lost their lives since they cannot be attended by doctors without making some form of payment. The Pennsylvania Department of Transport came up with stiff penalties just to curb this unwarranted behavior.

* Car insurance requirements. To comply with Pennsylvania car insurance laws, as a private driver you must maintain a continuous auto insurance coverage; coverage without any lapses. The minimum requirements are the liability cover of $15,000 per person, $30,000 per accident and $5,000 to cover property damage along with tort coverage. Drivers are allowed to select between full or limited tort coverage.

The penalties of not complying with the regulations are:

1. Suspension. Drivers that fault Pennsylvania car insurance laws are subject to suspension of their driver’s or their vehicle’s registration. The suspension may last for a minimum of 30 days or longer if ordered by a court of law. During this period, the suspended driver is not allowed to drive along the state’s roadways for any reasons and the suspended car must remain stationary. It must not be driven even with a driver holding a valid license.

2. Penalties. Non-compliant drivers are subject to very stiff fines and penalties. They must also pay reinstatement costs for their driver’s license and restoration of their vehicle’s registration. The cash fine for car insurance lapse is $300 and also other court fines may apply depending whether you are charged in a court of law or not. This is a lot of money that can b put into good use in other productive activities.

3. Insurance. The lapse in car insurance in Pennsylvania is always reported to the Department of Motor Vehicles. This will automatically lead to an increase on the monthly premiums. With the high cost of living, you would definitely not want to spend more every month. After suspension, a driver must provide a proof of insurance so as to have his license and registration reinstated. This is after settling all fines and fees that he or she is subject to and completing the suspension period.

There are various PA car insurance companies that carry out customer awareness programs on auto insurance laws in Pennsylvania. The good thing is that through their regular newsletters circulation, you will be able to even compare the insurance policies and premiums even those in your local area. To be able to get this free regular news, enter your zip code on top of this website.