Strictly-enforced laws in the state define the mandatory requirements for Auto Insurance in Scranton PA. These laws outline the type of insurance required by all drivers or registered vehicle owners in Pennsylvania and the repercussions of non-compliance. This state, like most, has initiated the financial responsibility rule that requires liability and medical benefits insurance for all registered vehicle owners. Medical benefits insurance is the same as no-fault automobile insurance.
Understanding Automobile Insurance Requirements
The state of Pennsylvania is considered a no-fault state, which means the drivers’ insurance policies will cover any injuries sustained in an automobile accident. As no-fault is legally required the state demands that the selected policy cover is at least $5,000 minimum. The state initiated this requirement to limit the volume of lawsuits due to automobile accidents. The requirements allow owners to select full or limited tort for these policies which covers either medical costs or pain and suffering or both.
Liability insurance requirements indicate that it should cover $15,000 per individual in the accident and $30,000 for the entire accident. It should offer $5,000 for property damage. Some policies will pay up to $35,000.
Violations of Insurance Laws in Pennsylvania
All drivers are required to maintain Auto Insurance in Scranton PA if they have a registered vehicle in their name. The minimum fine for no insurance is $300. Penalties are three months suspension of driver’s license and vehicle registration. For a driver to re-establish these privileges, he or she must pay $50 for the automobile registration and $50 for the driver’s license. In order to re-establish them, the driver must provide valid proof of insurance. The only way to avoid hefty fines is if the lapse or cancellation of insurance existed for less than thirty-one days.
The Pennsylvania Department of Transportation is notified at any time that an insurance policy is canceled. At the time of notification, the suspensions are activated. Their computer system automatically generates a letter of notification for the driver of the penalties and requirements. Any failure to provide proof of insurance beyond the initial notification can result in impoundment of the driver’s automobile. Anyone who requires automobile insurance can contact Florey Insurance Agency for a free quote.
