Author: Ted Kripps
Source: ezinearticles.com
PA auto insurance ins and outs become a necessary thing to know about whenever the time has come to register and then operate a motor vehicle on Pennsylvania roads and highways. Auto insurance is mandatory not only in Pennsylvania but in every other state in the nation, so trying to go without it probably isn’t a very smart idea.
Pennsylvania as a state has a set of mandatory minimum levels of insurance coverage that is required on the part of the person owning and operating a motor vehicle. The state has set the level of insurance at what it calls 15/30/5. This means that a person is going to need to carry at least $15, 000 of liability insurance coverage for any single person killed or injured in the automobile accident.
There will also need to be at least $30, 000 of coverage in case of death or injury to multiple persons in the auto accident, along with at least $5000 for any damage done to property owned by either a person or the state of Pennsylvania itself. This is a reasonable level of auto insurance coverage, but most experts recommend levels above that just to be safe.
In fact, much greater levels of coverage are highly recommended by just about every insurance expert. There are state civil and criminal penalties for not carrying auto insurance, by the way. There is a minimum $300 fine and suspension of your driver’s license and motor vehicle registration for a period of three months.
When it comes time to have your license and registration reinstated you will a required to pay a $50 fee in addition to the $300 fine. That fee is $50 for a driver’s license as well as another $50 for the motor vehicle registration, which brings the cost for not keeping auto insurance up-to-date at least $400. Pennsylvania is also a “no-fault” state, meaning liability is assigned to each party in the accident.
In addition to all of the above, Pennsylvania will require a certain level of personal injury protection (PIP). This is due to the fact that Pennsylvania is a no-fault state. However, keep in mind that each driver could still be assigned some level of responsibility whenever expenses incurred in the accident go over a certain threshold, in which case the driver determined to be at fault will cover those expenses.
In this day and age it makes no sense to try to go without auto insurance, especially as it is so easy to not only find but also pay for and receive over the Internet. This fact of the existence of the Internet has also made it extremely easy to verify if a driver has insurance on his or her automobile. Given the size of the fine for not having PA auto insurance in the state, it’s easy to see why one really should.
PA auto insurance ins and outs become a necessary thing to know about whenever the time has come to register and then operate a motor vehicle on Pennsylvania roads and highways. Coverage from a reputable insurance company is however a must, making it essential to check fraud insurance section.