Pennsylvania Auto Insurance

Every driver in the state of Pennsylvania is required to have a minimum amount of auto insurance. In addition to registering your vehicle and carrying your driver's license, you're require to maintain up to date proof of insurance when you drive. This article explains the minimum requirements and how you can make sure to meet them while operating a motor vehicle in the state of Pennsylvania.

For up to date information on necessary coverage and other rules and regulations, please visit the Pennsylvania Insurance Department. State law requires a minimum amount of insurance as follows:

• bodily injury liability coverage of at least $15,000 per person, up to a total of $30,000 per accident,
• property damage liability coverage of at least $5,000, and
• personal injury protection of $5,000.

Personal injury protection pays for some medical expenses for you and your passengers. This can really help if you or your passengers need to go to the hospital. Keep in mind that this, as well as the bodily injury and property damage coverage, is the minimum required. Most drivers opt for more comprehensive policies. For example, medical bills from an accident can easily get into the tens of thousands of dollars, so it pays to be protected from such huge hospital bills.

When you're stopped by a police officer or involved in an accident, state law requires you to show proof of insurance. You can do this easily by carrying your insurance identification card or insurance policy declaration page with you in your car at all times. Failure to do so may result in fines, driver's license suspension, and reinstatement fees. Don't let your coverage lapse, and don't forget to carry proof of insurance with you at all times.

Many people believe that insurance companies collude to fix rates, but the truth is that if you look around, you can usually find an insurance company that is willing to offer you lower rates on the same coverage. Why not enter your zip code and get quotes from companies in Pennsylvania who are offering discounts to drivers in your area? You could save thousands of dollars over the lifetime of your policy, so it really pays to get insurance quotes right now!

Tags: auto insurance, car insurance, Pennsylvania