Know the Insurance Requirements in Philadelphia?

Answer 1

The requirements for car insurance in the city of Philadelphia are identical to the requirements for the entire state of Pennsylvania. All drivers in Philadelphia must hold liability insurance for their vehicle in three distinct areas. A driver must have liability insurance that covers injuries or death of a single driver due to an accident in an amount of no less than $15,000. The driver must also carry accident liability insurance that covers injuries or death to more than a single person with at least $30,000 in coverage. Finally, the driver must hold liability insurance that covers damages to the personal property of another person for at least $5,000.

The city of Philadelphia does not require a driver to have insurance that covers uninsured and underinsured drivers. Every vehicle that is registered in the state of Pennsylvania must have the minimum auto insurance liability coverage in order to be driven on the roads. Additionally, cars that are driven in the state for more than 30 days must be registered and insured within Pennsylvania. Even though there are clearly stated minimums that are required for coverage, it is often advisable to increase the amount of coverage above the minimums to ensure that a policy is able to pay for all of the expenses that could result from an accident.

Driving on the roads in Philadelphia without proper and current auto insurance can result in a number of penalties. The license and registration for an uninsured vehicle can be suspended for several months if a person is caught driving without insurance. Hundreds of dollars in fines can be accrued if the issue is not resolved or if an individual continues to drive without insurance. Proof of insurance must be kept with a vehicle or driver at all times in order to avoid these types of penalties.

In the event that the registration on a car expires or otherwise becomes invalid then the registration must be surrendered to the proper authorities in Philadelphia. Vehicles that are not registered cannot be driven and do not require auto insurance. If a vehicle does have a registration but does not have insurance, then the driver can be fined and the registration suspended. The only exception to this law is if the driver can factually prove that the vehicle was not driven during the uninsured period.