Discount Insurance Quotes In Pennsylvania – PA
Drivers in Pennsylvania must not only follow the rules of the road, they must also be in compliance with the state’s vehicle insurance laws. Accidents resulting in property damage and/or bodily injury involve legal consequences. Drivers are responsible for the costs associated with the accidents they cause. In the Keystone State, specific insurance requirements apply to anyone who gets behind the wheel of a passenger vehicle. When shopping for discount car insurance in Pennsylvania, keep in mind that certain types of coverage are mandated by state law.
Pennsylvania is a mix of urban and rural environments. Heavy vehicle traffic in the major metropolitan areas is in stark contrast to the wide, open highways and narrow, winding roads found in the outlying areas. Accidents can be the result of driver negligence, poor road conditions, or inclement weather. Knowing the insurance laws in Pennsylvania and carrying proper coverage brings peace of mind when operating a motor vehicle.
Overview Of Pennsylvania Car Insurance Laws
The State of Pennsylvania outlines the laws governing car insurance in 75 Pa.C.S.A. ßß1701 et seq., written as the Act 6 Amendment to the Pennsylvania Motor Vehicle Financial Responsibility Law. These insurance requirements are intended to protect all those who are involved in an accident on Pennsylvania roadways. Liability insurance and Personal Injury Protection are mandatory in the Keystone State.
Comprehensive and collision insurance are optional coverage types, and insurance agents will offer these to anyone receiving a quote. Waiving this optional coverage will not result in a monetary penalty, but drivers should be aware that discounts for automobile insurance coverage often apply only to those who purchase a full package that includes both liability and collision coverage.
The State of Pennsylvania defines Personal Injury Protection Coverage as First Party Benefits. This coverage is also mandatory and is meant to protect those who are injured in an automobile accident regardless of who is deemed the at-fault party. Pennsylvania law prohibits insurance companies from raising rates if this coverage is used. Uninsured Motorist Coverage or Underinsured Motorist Protection is optional in Pennsylvania. Insurance agents are allowed to issue a quote for this coverage, which the vehicle owner can accept or decline when purchasing a policy.
Laws Regarding Tort Thresholds
Pennsylvania is one of several states that define automobile insurance coverage as full tort or limited tort. Tort is a legal term referring to a wrongful act by a civilian that is not considered a breach of contract. Those who are deemed to be the injured party have certain rights as far as legal action is concerned. The right to take an at-fault party to court for the purpose of bringing a legal suit is written into Pennsylvania law. Car insurance shoppers have the right to purchase full tort or limited tort coverage. The latter may cost as much as 20 percent less.
Purchasing limited tort insurance may negatively affect an individual’s rights to legal process, however. Those who obtain car insurance and select full tort coverage are protecting their family’s legal rights in the event of an automobile accident involving another party. Insurance companies, their attorneys and adjustors, and the attorney representing an at-fault driver may find ways to reduce or eliminate any financial responsibility on the part of the defendant if the person bringing a suit has purchased only limited tort coverage.
Failure To Maintain Proper Insurance Coverage
Pennsylvania law allows for heavy penalties imposed on those cited for operating a motor vehicle without proper insurance coverage. State law also allows the uninsured motorist the opportunity to request a court hearing to explain the circumstances. Fines may be reduced if the vehicle owner chooses to complete a defensive driving course or perform community service. Repeat offenders face a possible suspension of driving privileges in addition to an even larger fine.
A lapse in coverage may result in the prevention of vehicle registration for a period of up to 90 days. If a driver is cited for a moving violation in Pennsylvania and the law enforcement official determines that the driver is not carrying proper car insurance, possible consequences include vehicle impound, a 90-day suspension of driving privileges, a minimum $300 fine, and a restoration fee in order to restore both the driver license and vehicle registration.
Discount car insurance in Pennsylvania is available to those who have clean driving records, file the fewest claims, and who purchase a full package that protects for both at-fault and non-fault incidents. It is vital that all drivers understand the specific state laws and obtain coverage that meets or exceeds the state minimum requirements.