subject: Pennsylvania Auto Insurance Coverage Requirements [print this page] Pennsylvania Auto Insurance Coverage Requirements
Pennsylvania, also known as the Keystone State, is known as a financial responsibility state. All drivers or vehicle owners of the state are required of auto liability coverage that is highly significant during car collisions. This is also a necessary document when a driver would like to have his car registered.
Pennsylvania auto insurance policy stipulates split form liability coverage that can make all the necessary payments in the event of negligence or liability accidents. This could be proven by investigators or law enforcement officials and other witnesses at the scene of the accident. The liability insurance coverage has three portions with the first two responsible for bodily injury and the third part dealing with damages to property.
The state of Pennsylvania requires an auto liability policy with a minimum coverage limit known as the 15/30/5 coverage. These numbers are derived from the minimum coverage limits assigned to each part of the liability policy. For the Bodily Injury Liability, the minimum coverage amount is $15,000 per injured person and up to $30,000 per accident; the Property Damage Liability part covers up to a limit of $5,000. These are the needed figures to be legally registered in the state.
The bodily injury liability included in the Pennsylvania auto insurance policy covers the payment for the medical treatment and rehabilitation expenses or even for the funeral and burial costs of those people involved in an at-fault car collision. The first portion of the liability insurance policy is responsible for the expenses used for the medical treatment of one injured person or his or her funeral expenses.
The second portion covers multiple parties, however; so if you caused an accident with more than one party injured, the insurance policy will step in to cover the expenses for the injuries or death. The third part of the coverage, on the other hand, includes payment for properties that are damaged during accidents. This may include a road sign or even a house.
Accidents involving multiple victims could really be a challenge to a member's insurance policy. This is why most drivers make a wise move of increasing their insurance coverage to ready themselves during severe car collisions or accidents with multiple parties. Liability coverage is said to be the least expensive part of Pennsylvania auto insurance policy; hence, it would not be very hard on the pocket if anyone decides to increase his or her liability insurance coverage.
If this policy has been violated by any state drivers, the Department of Transportation in the state has clearly articulated the corresponding punishments in the Pennsylvania auto insurance regulations. The corresponding consequences include the suspension of the driver's registration rights and even driving privileges.
Driving without liability insurance policy will also cause suspension of the driver's license for three months. License or registration suspension could also cause any driver to surrender their registration card and plates. Hence, if you want to avoid these punitive consequences, it is best that you follow strictly the policies given by the state.
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