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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.

Penalties For Pennsylvania Car Insurance Violations

Depending on the type of default, there are different car insurance penalties for different violations and whether you are charged in a court of law or not. There are strict Pennsylvania car insurance laws and traffic police are very vigil and always on the look-out for defaulters. The Pennsylvania Department of Insurance and the states Department of Motor Vehicles sets the rules and penalties that defaulters will face. This is not just to punish the mistake made by the motorists but also to protect them from losses and expenses caused by accidents. According to a 2008 survey, the state had 2.8 million drivers travelling its roadways but only 9% of the motorists’ population had insurance cover. These penalties were introduced to curb this dangerous and costly behavior. Some of the penalties include:

> Suspension of driver. Drivers not compliant with the Pennsylvania car insurance laws are liable to having their driver’s license suspended. The license may be suspended for a minimum of 30 days or a longer period if the motorist is charged in a court of law. During this suspension period, the driver is not allowed to drive any car for whatever reason. This may reduce your productivity since you will be late to work or not be able to deliver your goods or products to the market on time if you are in the business industry. This may lead to huge monetary losses and loss of customers or conflicts at work with your boss as you will be arriving to work late, you will also waste a lot of money to hire a taxi.

> Suspension of car. The registration of your car will be suspended too for a minimum period of one month. This means that the car cannot be driven even by a driver who is not suspended nor has a valid license. This will render the car useless for all this period reducing its efficiency and productivity.

> Fines. Alongside reinstatement costs for your driver’s license and vehicle registration restoration, non-compliant drivers are subject to fines too. The monetary penalty for lapse in Pennsylvania auto insurance is $300 with another $300 for driving without proof of insurance and more if you are not insured. You will also be charged $450 for you to restore your vehicles registration and another $50 to have your driver’s license back.

> Jail term. You can be sentenced to a jail term depending on whether you have caused a very fatal accident and charged in a court of law. You will lose a lot of time and this will interfere with your life as it may be very difficult for you to be employed after serving your jail term.

This website educates you on the penalties for Pennsylvania car insurance defaulters so as to sensitize and make sure that you are always aware of them. You will be getting the regular news and updates first hand for free by entering your zip code on top of this website.

Guidelines to Follow To Successfully File Pennsylvania Auto Insurance Claim

Depending on the car insurance cover that you have, you can file for your auto insurance claim and get full compensation despite who was at fault. Normally, what makes the claim process to take longer is because the motor vehicle companies of the drivers involved in the accident take a long time to discuss who was at fault. After the discussion, they estimate the fault percentage of each driver so as to get the amount of compensation to be made by each Pennsylvania auto insurance carrier. In Pennsylvania, holding full or limited tort coverage, a policy holder will get compensation regardless of who was at fault or due to the negligence of the other driver. The following are the guidelines that you will follow so as to successfully file your PA auto insurance claim.

1. After the accident, make sure that you check if the other driver has insurance cover. If he has exchange insurance information with the driver, this is very necessary because you will identify the insurance company or type of cover that will compensate you. If he has insurance that provides less cover than yours, file underinsured insurance claim while if he has no insurance then you should file uninsured insurance claim.

2. Call the police to the accident scene to assess it. Both of you will record a statement with the police and they will file their own report. In some instances, they may determine who was at fault.

3. Call you Pennsylvania auto insurance company preferably on the same day of the accident to report the incident, you should also send them your documents supporting your claim.

4. Mail the statement that you had recorded with the police alongside the report that they recorded to your insurance claim. The claim may take a long period depending whether the person at fault has been identified or not. Make sure that you follow up this procedure or checked with the Pennsylvania Department of Insurance to know the number of days required for one’s claim to mature.

5. Mail the same documents to the insurance company of the other driver. The two insurance companies will meet to discuss who was at fault and also to estimate the amount of compensation that each company will pay for. Make sure that you send all the documents that support your claim.

There are a lot of drivers that have filed claims but have not been successful in getting full compensation that they deserve simply because they did not put the law into good use. For you to be able to understand the law regarding filing and getting compensation, enter your zip code on top of this website and you will get regular newsletters from us that will educate you on the law and all the policies from several insurance companies in your local area displaying their claim process.

Finding the Best Lawyer for Pennsylvania Auto Insurance Claim

Not everyone understands the kind of knowledge used in car insurance policies. These kinds of people need additional helm from an attorney to interpret research and challenge Pennsylvania car insurance laws. These kinds of people not only know their insurance rights but also do not know the guidelines hence find it difficult in getting compensation after an accident. In Pennsylvania there are a lot of law firms and lawyers that are ready to take care and help drivers that have problems in filing their Pennsylvania auto insurance claim, the good thing is that they are readily available plus their services are very pocket friendly. The following are the guidelines that you will follow to get yourself the best lawyer.

* Search. The first step is to search for auto insurance lawyer. There are various places where you can find a good and cheap lawyer but the best and fast place is through the internet. This is because you will not waste a lot of time, energy and resources as compared to physically locating them. There are a lot of law firms that have developed websites that enable you to access and retrieve information from anywhere and at anytime. With the advent of technology, you will only take few minutes and the services offered on the physical premises of these law firms have also been taken online.

* Shop. Do not use websites for individual law firms. Use websites that will enable you to compare different law firms so that you can comprehensively compare the different services and prices offered. You will also be able to look for customized services and price discounts as these law firms are looking to attract a lot of customers by providing customer friendly and cheap prices.

* Choose. Choose a law firm that will not just save you extra money but will also satisfy your need. There are various kinds of tailor made services offered by auto insurance lawyer. Recently, there is a new service especially for individuals with low income that only require the individual to pay the lawyer after successful wining of the case. The payment is deducted from the compensation that the individual is settled but the lawyer’s services are paid for by the law firm. If you have low income, choose these services.

* Gather all facts. Collect all the police reports, statements that you have recorded, surveillance cameras in case the street or road that your accident occurred, eye witnesses and communication with your car insurance company.

* File a lawsuit. Follow the instructions of your lawyer to file a lawsuit.

Get all these information to enable you get the best car insurance claim lawyer. Entering your zip code on top of this website now.

Factors Married Couples To Consider When Shopping for Car Insurance in Pennsylvania

When we get married, there are a number of things that are bound to change in our lives. This is because we will be living as two people but with the same goals and targets in life. Married couples need to weigh down their options when it comes to shopping for different types of car insurance in Pennsylvania that they need in their life. For this article we will largely be concentrating on what it entails to do proper shopping for car insurance as a married couple. By this, we simply mean that there are special types of car insurance policies that married couples can take up. If not, they can easily continue with what they had before they got married.

BestCarInsuranceInPennsylvania1. The first thing that a married couple will want to consider when shopping for car insurance in Pennsylvania as a unit is how their past driving records can affect their premiums and interest rates for the auto insurance cover. If one or both of you have bad driving records, then it will be necessary to seek the right kind of help to help point you to the right direction. The kind of help that you can easily go for is to hire the services of an insurance agent. They will advice you on the benefits and negatives of combining your driving records whether they are both good, both bad and if one has a different kind of record from the other. Merging your driving records as a married couple can be beneficial as it helps you to gain bonus points in terms of discounts but it all depends on what kind of records you bring to the table.

2. Another thing that married couples need to consider when shopping for PA auto insurance is the kind of firm they wish to operate with. Do you want to go for an entirely new insurance firm or are you will to transfer one of your previous car insurance policies to the other persons insurance firm. The importance of this is that it will be a lot cheaper to get insurance cover as a married couple from one insurance firm.

3. You also want to consider how easily you can add in more people to the insurance policy you will be getting. One of the many goals that married couples have in life is to bear children. These children will someday be of legal age and they too will want to drive. In Pennsylvania, it is required that every driver to have car insurance at all times. In regards to this, the parents can be able to carry their teen’s car insurance cover under their very own insurance policy. You, therefore, want to make it a requirement when shopping for car insurance that this option is available in the future.

4. Being married means that you need to cut down your costs so that you can be able to satisfy all your needs and wants. Enter your zip on the space provided above for cheap auto insurance in Pennsylvania just for you.

Car Insurance Crimes In Pennsylvania And Its Penalties

When you do something wrong, you should expect to be punished when caught. There are so many things that adults will do that are against the Pennsylvania car insurance laws and can only be punished through the various penalties that have been outlined by the laws governing that particular sector. For this article, we take a look at car insurance related crimes in Pennsylvania. It goes without saying that the car insurance sector has not been spared as people still get to commit car insurance crimes even after seeing the kind of consequences it has on someone. Some of the crimes related to car insurance in Pennsylvania include the following:

1. More people are staging their very own car accidents and to top that, they end up filing for injuries that do not really exist. This is the most common type of insurance crime that goes on in Pennsylvania.

2. There have been reported cases of false pretence of stolen cars so that your insurance firm can compensate you especially if you had insured your car against theft related cases in Pennsylvania.

3. Another common auto insurance crime in Pennsylvania involves someone getting a car insurance policy after they had an accident or were robbed off their car then reporting the incident after their insurance policy has been approved. This means that you give false claims to the insurance firm by pretending that the incident happened right after taking up the car insurance policy.

4. Filing for a car insurance claim for damages that were pre-existing on your car long before you took up the insurance policy.

5. There have also been reported cases of people who have exaggerated on the degree of damage and injuries they accrued in the course of an accident in which they were involved in.

6. Driving with no car insurance policy

There are still so many other types of violations of Pennsylvania car insurance laws do go on in the state. It is considered a felony act to commit any of the above actions and the penalties that are related to them include:

1. A maximum of seven years or less in prison depending on the grave of your car insurance crime.

2. A total of about $15,000 in fines. You can also be charge less in relation to what you did. For example, you cannot be charged $15,000 as a fine for driving without car insurance.

3. You can also be penalized by the court to carry out a number of community service activities and or pay up court charges of a certain amount.

4. One of the greatest penalties that you will always carry with you is the shame of being caught committing a felony. You lose all the respect you had from the people around you.

To get your mind off the penalties and to much better things, do enter your zip code in the space provided just for you right above this website. By doing so, you will get results of three of the best car insurance firm that you can choose from.

Why Having Auto Insurance Policy Is Mandatory in Pennsylvania

Auto insurance in Pennsylvania should at least cover the following:

•             $15,000 bodily injury liability per injured person,

•             $30,000 bodily injury per accident,

•             $5,000 property damage liability coverage, and

•             $5,000 personal injury protection (PIP)

The proof of auto insurance in Pennsylvania should be with the driver at all times while he is driving the car. The law clearly states that if a person is stopped because of a moving violation and is found to be driving the vehicle without insurance or an expired insurance policy, he is punishable by law. The penalty in this case can be a 3 month suspension of the driver’s license and of the vehicle registration, restoration fees for both registration and/ or license, a minimum fine of $300 and vehicle impoundment. All rental cars are also supposed to be insured as stated by Pennsylvania car insurance laws.

Pennsylvania follows the Tort system which implies that if a person is found guilty of an accident caused. He is not only liable for physical damages to the other party and vehicles but for “legal” injuries. Legal injuries mean physical injuries and economic, emotional or reputational injuries. So a person should take care that his insurance covers more than just the minimum amount as stated by the law.

It is not necessary that all the members of a household are under the same car insurance policy. As long as the person excluded has auto insurance with another company or an assigned risk plan, it isn’t considered to be going against the law.

On being caught driving a car with a lapsed car insurance policy can result in the suspension of the vehicle registration for three months. The exceptions to the rule are in case it had been less than 31 days since the lapse of the insurance policy or the driver can prove to the Department of Transportation (PennDot) that the vehicle was not used during the period when the policy had lapsed. However, if PennDot finds out that car was used during the lapsed period, the driver’s license, car registration sticker and license plate will be suspended and surrendered to PennDot. To reinstate all these privileges, a restoration fee and proof of insurance must be submitted.

While the driving history of a driver is the key determinant of the premium that the driver will have to pay towards the insurance policy, one can always research to get the best deal in the market. To find more just enter your zip in the tab on top of the page.

What Constitutes Car Insurance Proof in Pennsylvania

Buying a car means responsibility. Not just in terms of driving safely, but also in terms of abiding the law. A person is required to fulfil all the terms and conditions that have been stated by the law. People should not take this as unnecessary paper work or effort. It is the law that the roads you drive are safe. If you are wronged, it is the state that will give you the chance of getting compensated by the guilty party. Similarly if you are at fault, you will have to take responsibility and correct your mistake. Therefore when you are going to buy a car in Pennsylvania, it is important that you understand the laws of the state as specified by the Pennsylvania Department of Transportation (PennDot) and do what is required for it.

PennDot clearly states, “Any vehicle which is currently registered MUST have insurance (financial responsibility). Customers should always surrender their registration plate to PennDOT when insurance is not in effect even if the vehicle is in for repairs or being stored and not being driven. Otherwise a suspension of the registration may occur.”

Usually when you are buying a car, you must get vehicle liability insurance (financial responsibility) while you are at the dealership. Especially if you are getting the vehicle financed, the finance unit will require you to acquire car insurance before you drive out of there. Even the bank from you are taking the loan from is going to ask for a proof of PA car insurance. Although the likelihood of such a situation is less, if you pay for the car in cash then you do not need the car insurance immediately. Since you have got the title of the car, it is your responsibility. But even then there is a chance that the dealer asks you to produce the proof of insurance and may refuse to issue you temporary tags without it.

Acceptable proof of auto insurance in Pennsylvania constitutes of

•             The insurance identification card

•             The declaration page of an insurance policy, also issued by the insurer

•             A valid binder that bears all the information stated also on the insurance identification card except the policy number. Binders are a temporary proof and are valid from 30 to 60 days.

•             Copy of the application for insurance to the Pennsylvania Assigned Risk Plan, signed by the insurance agent.

•             A letter from the insurance company, verifying the proof of financial responsibility of the vehicle owner, on the company letterhead, duly signed by the insurance agent.

If you are going to buy a car or looking to renew your auto insurance in Pennsylvania and are looking for the most competitive rates in insurance policies, enter your zip in the tab on top of the page.

Different Optional Coverage For Pennsylvania Car Insurance

There are different types of additional coverage plans that a vehicle owner might opt for such as:

Income Loss Coverage: Under this policy, you get paid for a portion of the wages that you might have lost because of your inability to work due to the injuries sustained by you in the car accident.

Collision Coverage: Mostly it is the bankers or lenders who insist the owner buy this insurance coverage, as it pays for the damage repair of your car after an accident.

Uninsured Motorist (UM) Coverage: This coverage is applicable when you and/or your co passengers are hurt because of the mistake of an uninsured motorist. It only covers bodily injuries not damage to the vehicle.

Underinsured Motorist (UIM) Coverage: It is similar to that of uninsured motorist coverage, except in this case, the coverage is not enough to cover your claim. Even in this case, no claims to vehicle damage are covered.

Stacking of uninsured motorist & underinsured motorist coverage: Under this coverage plan, you have two options. First, you can multiply the amount that is uninsured or underinsured by the number of vehicles that are there on your policy. Second is to claim the uninsured or the underinsured amount from more than one policy, if you are insured under more than one policy that is. However, it cost extra to get this coverage.

Extraordinary medical benefits: Such a coverage plan pays for the medical and rehabilitation claims that exceed $100,000; the maximum limit to this coverage is $1 million.

Accidental health benefit: If the person insured dies within 24 hours of a bodily injury that he sustained in an accident, his/ her personal representative can claim such benefit.

Gap coverage: This Pennsylvania car insurance policy is applicable when a new car is purchased on loan. In the case that this car is absolutely smashed in an accident, while there is an outstanding loan payment on it, this policy covers the difference between the insurance company’s payment and the outstanding loan amount.

Funeral Benefit: If an accident causes the death of the person insured or a co-passenger, this coverage pays a certain amount for the funeral expenses.

A person getting Pennsylvania car insurance can mix and match the features he wants in his insurance policy to get one that will save him from a financial burden in case of a mishap.

If you find out how much will an auto insurance cost you and want to get the best insurance policy quotes just go to the top of this page and enter your zip.

Things to Do When Looking For Car Insurance in Pennsylvania

Since the insurance quotes are gradually rising, the individuals with low wages may have to look for an alternative. This is where cheap car insurance comes into picture to aid people with low earnings a financial security.  Applying for car insurance at low rate is indeed a practical step to be taken by a person who earns relatively lesser.

The need of car insurance in Pennsylvania is very essential to become a recipient of security. This security can be in any sphere. In the present day lives, one may have to face many obstacles while looking for insurance quotes on his own. The reason behind this is inadequate understanding of car insurance quotes in PA. Due to this very inadequate knowledge about car insurance, people cannot decide which car insurance quote is effective for them. If they apply for a quote which is not apt for them, it would cost them high and results would not be as per expectations. In fact, there are various car insurance companies claiming to be the best in Pennsylvania. Obviously, most of them would have hidden policies within their schemes too. Thus hiring an expert for this purpose is necessary to get desirable results.

On a contrary, you can ask for referrals car insurance companies in Pennsylvania from your friends too. These referrals would make your search easier but if you want to seek insurance for your vehicle without any intervention then you must do a research work. This research work will demand your alertness to grab the basics of cheap car insurance so that you can proceed in a better way. These basics of car insurance will cover all the points which need to be focused on rightly. Additionally, when you are totally geared up with the entire information about car insurance in Pennsylvania then your next step will be to check if there are any discounts.

Most of the companies offer discount with their car insurance schemes to attract customers. However, the motive of other companies offering discount may be a decision to solve the inconvenience people come across the high priced car insurance quotes in Pennsylvania. If there are no discounted schemes by various companies, the only alternative you are left with is to compare. By comparing the prices of insurance for vehicle you will be able to grab a fair deal of cheap car insurance in Pennsylvania. As a matter of fact, if you drive smoothly till now, your probabilities of acquisition of car insurance at a low price increase. Contrarily, if you have often been involved in rash driving or met with accidents due to your negligence then you may not be able to get insurance for your car at cheaper price in Pennsylvania.

It can be concluded that cheap car insurance quotes in Pennsylvania invite drivers who have been driving safely after getting a driving license since the insurance companies notice that an individual with clean record in terms of driving will not meet with an accident often. Conversely, a person who has not maintained a record of safe driving may pose a high risk to company. Companies cover the car insurance in Pennsylvania for people who may not end up getting their vehicle damaged habitually. Hence, everyone who is looking for car insurance within Pennsylvania must keep in mind that along with his budget safe, driving record matters a lot. Compare cheap auto insurance companies in your area by entering your zip on this top of this page – it’s fast, FREE and easy. There’s no reason pay more than you need to. So try it out and find out how much you can save.