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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.