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About Pa Car Insurance Laws

Introduction

Auto insurance is very critical requirement in most states. With most laws, it is illegal for any person to drive without car insurance. This is the same case with pa car insurance laws. The state of Pennsylvania imposes some laws on car insurance just like any other state. Pa car insurance laws though have some variations from those in other states.

History

Vehicle insurance, being a vital requirement is practiced in every region of the world. This is mainly meant to cover for accidents and other road misconducts. The laws on car insurance were developed many years ago. This has followed the generation of vehicles in the world. The laws on car insurance are a bit different but are all centralized under a common aspect. Pa car insurance laws are also distinct and the penalties also vary.

Features

As with any other state, pa car insurance laws are set on minimum liability coverage. The minimum liability levels are set at $15,000 for bodily injury of every injured person, $30,000 to cover bodily injury for the whole accident and $5,000 for property damage. The personal injury protection is also set at $5,000 with pa car insurance.

The laws on pa car insurance also states that is also mandatory for every driver to carry the minimum liability. This is in addition to the proof of insurance that must be carried all the time. If a driver is caught operating a vehicle with no proper insurance, then there are the penalties for it.

Pa car insurance laws impose such penalties as fines that go up to $300 for uninsured driving. The vehicle’s registration could also be suspended for a period of three months. This is also the same for the driver’s license. There are also restoration fees to be met in the course meant for restoring the vehicle, the license and vehicle impoundment. When the vehicle’s registration is suspended, laws on pa car insurance allow no other person to operate it.

The mandatory laws on pa car insurance extend to rental cars. As with other vehicles, rental vehicles must also carry the states minimum liability coverage. For this case, a high number of pa car insurance as well as credit cards cover car rentals. This states that one must check whether their auto insurance or credit card covers rental cars. If both the insurance and credit card doesn’t cover rental vehicles, then a person must purchase auto rental insurance from the rental companies. This is charged between $7 and $14 per day.

The state of Pennsylvania follows the Tort System. This means that pa car insurance laws see to it that someone must be responsible for any accident. This driver is termed as at fault and is accountable for all damages caused. This affects the insurance company and thus most companies recommend drivers to purchase higher coverage than the state’s minimums.

Conclusion

Pennsylvania being a Tort state, the laws on car insurance does not require the uninsured/underinsured motorist coverage. But it is common that most drivers get this coverage in their auto insurance. This is also recommended by pa car insurance companies.

By SAMUEL MUHIA, published at 03/20/2012
   Rating: 4/5 (11 votes)
About Pa Car Insurance Laws. 4 of 5 based on 11 votes.

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