Chances are that wherever you want to drive within the United States, there are specific state laws that require you to have car insurance. If you choose to drive without coverage or without enough coverage, you could be in for some severe penalties, depending on where you are. Most states require that you carry at least liability insurance on your vehicles, with many states having requirements that go beyond that and require some or all of the following:
Legal Requirements for Pennsylvania Car Insurance: Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured motorist coverage (UM/UIM) is insurance against the possibility of you or your vehicle incurring damages as a result of an accident with a driver who either is not insured or does not carry enough insurance to cover the total cost of the damages. In Pennsylvania, UM/UIM is not required by law, but you may wish to consider it when seeking Pennsylvania auto insurance quotes for your own peace of mind and if you feel that your circumstances would warrant it.
No-Fault Auto Insurance in Pennsylvania
In some states, an accident can be deemed “no-fault,” meaning that neither party is blamed nor held liable for injuries or damages that may be incurred due to an accident that is determined to not be clearly caused by either party. While not all states have this option, those that do generally require some form of insurance that will cover medical bills and/or other related expenses in the event of a no-fault accident. No-fault insurance, more commonly known as Personal Injury Protection or PIP, is designed to cover the costs of medical bills, funeral expenses, rehabilitation costs, and other costs that are related to injuries or death due to a no-fault accident. Pennsylvania is a no-fault state and thus requires PIP coverage of at least $5,000.
Hands-Free Laws in Pennsylvania
With today’s technology, it has become easier than ever to consider multi-tasking while driving. Cell phone use, whether talking or texting, often results in distracted driving, which in turn is much more likely to result in an accident than circumstances where the driver’s attention remains on his or her driving. In response to this perceived problem, many states are creating “hands free” laws to try to curb the increased possibility of accidents due to talking on a cell phone or texting while driving. In Pennsylvania, the hands-free laws have not yet been enacted, as detailed here:
Highway Safety Laws
|Cell Phone Ban (Handheld)||No Ban|
|Text Messaging Ban||No Ban|
Finding affordable car insurance can be challenging and frustrating. With the various laws requiring various kinds of coverage, it can get confusing as well. However, with our quote generator below, getting Pennsylvania car insurance quotes for comparison is easy. By law, you have to have auto insurance in order to drive legally in Pennsylvania, so it pays to take advantage of tools such as this to get the best deal possible.
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Pennsylvania Motor Vehicle Division
Pennsylvania Insurance Department