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A Brief Consumer's Guide to Understanding Pennsylvania's Auto Insurance Requirements?
Pennsylvania requires drivers to carry a certain amount of auto insurance coverage. This coverage must include bodily injury liability coverage, property damage liability coverage and medical liability coverage. Moreover, Pennsylvania auto insurance laws also require drivers to choose between coverage plans that offer different legal options to drivers who wish to sue for accident-related damages.Here is a quick overview of these Pennsylvania's auto insurance requirements that can help drivers understand these requirements in detail.Drivers in Pennsylvania must purchase adequate bodily injury liability coverage.Pennsylvania drivers must purchase bodily injury liability coverage that provides at least $15,000 of bodily injury coverage for one person who is injured in an accident. Drivers in Pennsylvania must also purchase at least $30,000 in bodily injury liability coverage to cover all injuries sustained in a single auto accident. This liability coverage is required because it pays the medical and rehabilitation expenses for each person who is injured in an accident for which a driver is found liable.Drivers must purchase property liability coverage for damage caused by reckless driving.This coverage must include at least $5,000 of liability coverage for property damage that is caused by reckless driving. Drivers in Pennsylvania may also purchase higher amounts of property liability coverage if they choose to do so.Drivers must purchase limited medical coverage to cover accident-related injuries.Drivers must purchase at least $5,000 of this medical insurance coverage to comply with state laws. However, drivers in Pennsylvania may also purchase higher amounts of coverage if they choose to do so. It is required because it provides medical care coverage for anyone who is injured in an accident.Moreover, drivers are required to choose between "limited tort" and "full tort" coverage.Drivers are required to choose between limited tort coverage and full tort coverage. This requirement allows drivers to choose between lower priced limited tort coverage that offers fewer claims options and higher priced full tort coverage that offers more claims options. This requirement was established to provide drivers in Pennsylvania a greater selection of auto insurance options.For more details, please call the Pennsylvania Department of Transportation.Drivers in Pennsylvania who have questions about local auto insurance requirements may contact the Pennsylvania Department of Transportation at 1-800-932-4600. Out-of-state consumers may call 1-717-412-5300 to inquire about insurance requirements for people who move to Pennsylvania during the year.
Is Geico the most affordable car insurance for Pennsylvania drivers with a clean record?
Geico is the most affordable car insurance for Pennsylvania drivers.
What does liability coverage mean?
Liability coverage covers you if you are found liable or at fault for damages. In the case of auto insurance, for example, this coverage pays for damages you cause in an accident that is you fault. This coverage will NOT cover your car damage, however. Just the other drivers car, medical bills, & other property damage.
Drivers become subject to the liability insurance law when accident damages amount to how much?
Drivers become subject to the liability insurance law when accident damages amount to a state-specific threshold, commonly set at around $500. This means that drivers must carry liability insurance coverage to pay for damages they cause in an accident, once the threshold is reached.
Why is uninsured motorist coverage required in states that require liability coverage?
UM (uninsured motorist) coverage is not required in all states that require liability coverage. However, UM is an important coverage in auto insurance because it steps in and pays for your bodily injury (medical expense, lost wages, and pain & suffering) when you are injured by a hit-and-run, uninsured driver, or irresponsible driver who carries low liability coverage on their auto insurance. In another word, UM is a coverage for you and people in your car guarding against the risk of irresponsiblly insured drivers - and there are a lot of them out there.
What does Excess Liability insurance cover me for?
Excess liability coverage is designed to cover drivers who may have been involved in an auto accident and the injuries or bills exceed the insurance policy. It's kind of like your back up amount and can give you a little extra cushion and coverage.
Does All State Insurance provide liability protection?
All State provides many types of insurance coverage, including liability protection for drivers as well as homeowners and businesses. Visit http://www.allstate.com/
Motorcycle insurance in PA?
In Pennsylvania, motorcycle insurance is mandatory for all riders and typically includes liability coverage, which pays for damages or injuries to others in an accident. Riders can choose between a basic and full coverage policy, with full coverage offering additional protections such as comprehensive and collision coverage. It's also important to consider uninsured/underinsured motorist coverage to protect against accidents with drivers lacking adequate insurance. Discounts may be available for safety courses or bundling policies.
Who is the least expensive liability insurer for Georgia drivers?
Over fifty insurance companies offer liability coverage in the state of George. The least expensive provider will vary according to where you live, the car you drive, and your age.
Car insurance requirements for Massachusetts?
Just like most other cities, Boston also requires drivers have at least liability insurance coverage. If you are financing a car however, you will need a full coverage policy.
Understanding Pennsylvania Car Insurance Laws?
Drivers with currently registered vehicles in the state of Pennsylvania must carry liability insurance according to Pennsylvania car insurance laws. Car insurance protects other motorists driving on Pennsylvania roads by covering property damage or injuries that you have caused. Pennsylvania car insurance laws state that drivers can be penalized if they fail to maintain adequate liability insurance.Mandatory Coverage Required in PennsylvaniaAutomotive insurance is mandatory for drivers in Pennsylvania. The minimum amount of coverage required by state law is $15,000 per individual, $30,000 per incident involving more than one person and $5,000 for property damage. Drivers desiring to protect their personal assets may purchase additional coverage. If you are involved in an accident that is considered your fault and the value of the other driver's claims exceed your policy coverage, the driver has the right to take action against you concerning the amount that was not covered by your insurance policy.Penalties for Not Maintaining Vehicle Insurance in PennsylvaniaDrivers who fail to comply with Pennsylvania car insurance laws may face severe penalties. A driver whose insurance coverage has expired for longer than one month will receive a vehicle registration suspension for 90 days. A driver whose insurance coverage has been expired for less than one month must confirm with PennDOT that the car was not driven while the insurance was expired. Individuals driving vehicles without the proper insurance coverage in Pennsylvania will also have their driver's license suspended for 90 days. PennDOT requires that drivers turn in their vehicle registration plate, card, sticker and driver's license while serving the suspension. Drivers can reinstate their vehicle registration and driver's license by paying a $50 reinstatement fee and submitting proof of insurance.Insurance Company RequirementsPennsylvania car insurance laws allow insurance companies to use consumers' personal credit histories to determine insurance coverage and rates. Insurance companies are required to notify PennDOT when a Pennsylvania driver's insurance policy is cancelled. State law does not require insurance companies to notify PennDot of insurance policy reinstatement. That is the responsibility of the driver.
A Consumer's Guide to Understanding Missouri's Auto Insurance Requirements?
Missouri's auto insurance laws require drivers to carry a certain amount of causality liability and bodily injury coverage. This coverage must include bodily injury liability coverage and property damage liability coverage. Missouri's auto insurance laws also allow auto insurance providers to offer drivers other types of auto insurance coverage that provide a variety of benefits to drivers that go beyond the basic coverage limits.Here is a quick consumer's guide that can help residents understand Missouri's auto insurance requirements. Let's start off by examining Missouri's bodily injury coverage.Drivers in Missouri must purchase a certain amount of bodily injury coverage.For example, drivers in Missouri must purchase at least $50,000 of accident liability coverage. At least $25,000 of this coverage must be set aside for injuries sustained by one person who is injured in an auto accident.Moreover, drivers in Missouri must purchase at least $50,000 of supplementary bodily injury coverage that covers the risks of sharing the road with uninsured drivers. At least $25,000 of this coverage must also be set aside for injuries sustained by one person who is injured in an auto accident.Missouri drivers must also purchase property damage liability coverage.This coverage must include at least $10,000 of coverage that covers replacement costs for property that is damaged in an auto accident. This provision was included to address concerns drivers had about the inability of drivers to recover adequate damages for property that was damaged in auto accidents.Auto insurance underwriters in Missouri also offer optional auto insurance policies.For example, auto insurance underwriters provide optional collision casualty coverage that pays for vehicle damages sustained in auto collisions. These policies are usually offered as a supplement to bodily injury coverage to provide drivers in Missouri coverage that fills in gaps in property damage liability coverage.Moreover, auto insurance underwriters also provide optional comprehensive policies that pay for lost wages, medical expenses and theft. This coverage is usually offered in conjunction with required liability coverage plans to cover gaps in bodily injury coverage.As you can see, Missouri's auto insurance requirements are straightforward.However, the Missouri Department of Revenue has further details that can help drivers find further information that can help them choose an auto insurance policy wisely. As a result, be sure to log on to the Missouri Department of Revenue's website located at http://dor.mo.gov/online.php for more details.
