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Pennsylvania Auto Insurance  Pennsylvania has been a no fault state since 1990. No fault insurance places limitations on the injured parties ability to sue other drivers for damages. In no fault insurance, your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault in the accident. Other drivers involved will be covered by their auto insurance companies. Pennsylvania minimum liability limits; $15,000 per person for injuries you cause to the other parties, $30,000 total per accident, and $5,000 for damage you cause to the other party's property. Other mandatory coverage includes $5,000 in medical payments (PIP) coverage. Optional plans include blanket umbrella, collision, and comprehensive coverage. In Pennsylvania, 10 percent of all drivers are uninsured, so also consider uninsured (UI) and underinsured motorist (UIM) coverage. If you are convicted of DUI in Pennsylvania (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more. If you are high risk (multiple tickets and/or accidents), you may have to use the Pennsylvania Automobile Insurance Plan (MNAIP). The Pennsylvania Catastrophic Claims Association was created in 1972 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible Pennsylvania Automobile Insurance Plan drivers are shared among companies writing automobile insurance in the state of Pennsylvania. Below (again) are the minimal limits.
Proof of insurance is required to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Pennsylvania are license and registration suspension, and confiscation of plates (Penalties are provided for in the law but may not be mandatory for first offenses). |
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