It is required by law to have car insurance in Pennsylvania, this is to protect drivers in the case of an accident and also possesses a few coverage requirements as well. While each state has its own requirements, Pennsylvania car insurance | Pennsylvania-Insurance.net possesses fairly basic requirements for no-fault and liability coverage plans. These requirements are there to ensure not only the safety of the drivers on the road, but also to help you save money in the case of an accident as paying out of pocket for medical and property damages can get rather expensive. While some states require a minimum balance in your bank account when driving without insurance, the state of Pennsylvania does not have this loop hole and insurance is 100% required by law.
The state of Pennsylvania requires all drivers to possess a coverage plan that includes a few basic requirements. For starters, your coverage must have medical benefits coverage which is included in many no-fault insurance policies. This coverage must equal at least $5,000 to be considered meeting the requirement, as it will pay for the medical care that any injured passengers or yourself need. The second requirement is simply liability coverage which will cover the cost of the property damages that the accident has caused. To ensure that you are meeting these requirements properly, you must always carry your insurance card or proof of insurance in your vehicle to show proof that you possess the necessary coverage you need and avoid fines or jail time depending on the situation. The punishment for not possessing the proper insurance includes fines, suspension of your license, and the impounding of your car as the state of Pennsylvania takes uninsured and underinsured drivers extremely seriously.
When choosing your coverage policy, you will always want to ensure that you plan possesses all of the requirements necessary in the case of an accident. You can even add on to your policy or bump up the coverage of the policy if it saves you money, however the minimum is all the state of Pennsylvania requires. While many companies may offer numerous bonuses for your policy, be sure to watch out for companies that will raise their prices exponentially for small raises in coverage or the addition of a coverage type or option. Ensure that you are comparing your options closely to avoid being over charged and always do your research on each provider that has caught your eye.