In Pennsylvania, drivers are required to purchase auto insurance under local and federal laws. These laws allow the state to impose penalties for non-compliance. They also impose further complications if the driver causes an accident. Motor insurance in Harrisburg, PA provides the state-required insurance coverage.
The Minimum Liability Coverage Requirements
Pennsylvania imposes the requirements of a no-fault state. All drivers must purchase medical benefits. These benefits must equate to $5,000. Additionally, they need liability auto insurance. The policy must provide $15,000 for accidents involving one victim. It must provide a maximum of $30,000 for multiple victims. It should also provide $5,000 for property damage.
All drivers have access to tort options when buying insurance. They are required to make a selection. These options include limited and full tort rights. The limited tort allows them to sue for medical costs associated with an accident. Full tort offers the option to sue for both medical benefits and pain and suffering.
Penalties for Non-Compliance
Non-compliant drivers incur a fine of $300. Their driver’s license and vehicle registration are suspended for three months. They must pay reinstatement fees for each that equate to $88 individually. The vehicle is also impounded by the county.
Providing Evidence of Insurance Coverage
All drivers must provide evidence of insurance coverage as requested. This includes all traffic stops and when renewing their auto tag. Any new vehicle registrations require proof of coverage as well.
Requirements Associated with An Auto Loan
Comprehensive auto insurance is required for financed vehicles. The terms of the auto loan define the values assigned to the required policy. Any suspension of coverage is reported to the lender by the insurer. This failure could lead to repossession if new proof of insurance isn’t provided to the lender.
Pennsylvania drivers must follow laws and regulations for a no-fault state. The state imposes strict auto insurance requirements to limit accident lawsuits. This why the state prevents uninsured drivers from operating their vehicles. The vehicle is impounded upon the discovery of non-compliance. It remains impounded for the full duration of the suspension. Vehicle owners who need Motor insurance in Harrisburg PA should contact Farnham Insurance Agency for a free quote.
