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Questions Answered about Getting Auto insurance in Pennsylvania

When you have insured your car, there are many questions that come to your mind after having to think of auto insurance. Let’s have this question as an example; do I need to have auto insurance? Pennsylvania law states that you should have sufficient liabilities so that you can pay for the expense in any accident with you in fault. You must have enough liabilities for a single person injured in an accident with $15,000 and for more than two persons with $30,000 liabilities. For any property damage, you should have $5,000 in your liabilities. Medical and other expenses are expensive. Therefore, minimum coverage is not sufficient for paying off the bill. For auto insurance in Pennsylvania you need to have sufficient liabilities for all the expense that has to be paid.

The other question is who pays to fix my car? Any accident that occurs and the one responsible for the accident or a little faulty have to pay all the expense. Your insurance company will never pay for your accident. Instead the other person’s insurance company will pay for your damage. If you have collision or comprehensive coverage, then your insurance company might help.

What other coverage’s should I consider? There is PIP Personal Injury Protection that you would want to add. This pays for you and your passenger’s medical expense and other charges. If you are too injured to work, it pays for your wages as well.

The next question is what will happen if I don’t have auto insurance? The law suggests that you should have auto insurance in Pennsylvania and driving without auto insurance is against the law. If you don’t have your insurance card, once you are asked to show at a traffic stop you will be fined. If next time you do the same your drivers’ license will be suspended or your vehicle could be confiscated. If you don’t have insurance, the consequences could be more severe. You would have to pay for any accident from your personal earning and court could sue you. Whatever the expense gets, the court will announce to take from your present or future earnings and worse could happen.

Can I get a drivers’ license if I don’t have auto policy? A question asked by a person.  The answer to this is simply no. All citizens of Pennsylvania must show proof of insurance otherwise they would not be given drivers’ license. There are many questions that come to one’s mind regarding the auto insurance. If you need to check your policy and find what your existing policy rates are, you could easily enter your zip above and check. Get free quotes for maximum savings. Your answers can also be answered by your insurance company. Getting your vehicle auto insured is one of the most important things that need to be done in Pennsylvania. For that reason, you must enter your Zip code in the area given on the website for the relevant details.