With more than 46 thousand square miles of space, hundreds of miles of scenic byways, and dozens of must see destinations; Pennsylvania is a state best experienced from behind a steering wheel. From Philadelphia to the far southeast to Harrisburg, Pittsburgh, and the shores of lake Erie, the Commonwealth state has no end of places to explore or things to do. With that in mind, lets take a moment to discuss Pennsylvania auto insurance from https://insurancequote.deals/pennsylvania-auto-insurance-quotes along with what you will need in order to be fully insured and ready.
Why Auto Insurance?
Auto insurance exists to protect you against the potential for financial loss if you are in an accident. At the bare minimum, it covers you if you are to blame. However, many other things can be covered under car insurance and they can be selected when choosing your plan. What it all comes down to is having the right insurance policy for your needs.
Pennsylvania Auto Insurance Requirements
In order to legally drive in the state of Pennsylvania, drivers must have auto insurance. This is called maintaining ‘financial responsibility’ under the Pennsylvania law and is put in place to ensure that if and when an accident occurs, everyone is covered. Every time you step behind the wheel, you have to have insurance for the vehicle you are driving or you will risk fines.
What Are The Penalties For Driving Without Insurance?
Penalties depend on the nature of why you were pulled over and the amount of time you have gone without car insurance. At the very least, it can result in a $300 fine for being uninsured. In addition, you may have a three-month suspension of your vehicles registration or of your driver’s license. You may also have to cover the fees for restoring the registration, license, and insurance. Finally, you risk having your vehicle impounded.
What Is Covered Under Basic Pennsylvania Auto Insurance?
Medical benefits, bodily injury liability, property damage liability, and limited or full tort are all necessary for coverage when getting insurance in this state. Along with protecting you if you are considered liable for the offense, it also covers the expenses of the other person as well, insuring cross coverage in case the worst were to occur. Additional coverage include uninsured motorist coverage, underinsured motorist, stacking of UM or UI, funeral benefits, income loss, collision, extraordinary medical benefits, accidental death benefit, and towing coverage.