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Auto insurance is mandatory in the state of Pennsylvania. You must carry your insurance card in your vehicle and show it upon request by a law enforcement officer. If you are stopped by a police officer and cannot show proof of insurance, you can receive a traffic citation. If you fail to carry insurance on your vehicle, the state can enforce several penalties including a $300 fine for driving uninsured, a three-month suspension of your vehicle registration, a three-month suspension of your driver's license, a $50 restoration fee to restore your vehicle registration and a $50 restoration fee to restore your driver's license.
Pennsylvania state law requires a minimum coverage of 15/30/5 for Bodily Injury Liability and Property Damage Liability. These numbers translate into $15,000 of Bodily Injury Liability per person up to a total of $30,000 per accident and $5,000 of Property Damage Liability. Pennsylvania state law also requires medical payment coverage in the amount of $5,000. Medical payment coverage protects anyone occupying your vehicle at the time of an accident and pays for certain medical expenses from a motor vehicle accident regardless of fault. See your policy for exclusions. While these are the state required minimum coverage amounts, this coverage level is probably not sufficient to fully protect you from financial loss or liability if you are at fault in an accident. The insurance industry, most consumer groups and most agents typically recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident.
Our customers come from Philadelphia, Pittsburgh, Allentown, Erie, Reading, PA and other great cities in the state of independence to find cheap life insurance and other coverage from top rated insurance companies. Our Pennsylvania insurance agent and broker referral network can help you compare rates with ease.