For those that live in Pennsylvania they will find that if they are driving a car on the roadways, that they must have auto insurance. There are three types of coverage that most people have which is liability coverage, collision coverage and first party PIP coverage. All three coverage’s are something that the person should consider in order to make sure that they are protected should they be in an accident. However, there are other coverage’s that people can get, and for those that want to make sure that they are fully protected, they should consider getting full coverage insurance.
When looking for coverage, the person will want to have the state minimum, and the company that they go with should be the ones that are making sure that these needs are met. In terms of PIP coverage, the person will find that they will have to carry a $5,000 limit on this in order to be protected; otherwise, the person will be found to be driving illegally according to state laws. For liability the person must have $15,000 per person and $30,000 per accident limits. The other coverage’s are suggestions, but they will help the person out should they get in an accident.
Many major car insurance providers are located in Pennsylvania, and the person will also find that they can search online to find a quote that is going to meet their needs and their budget. When searching for these policies, the person should make sure that they have the personal information of the driver, their driver’s license number, and the VIN number of the vehicle that they are ensuring in order to make sure that they are getting the most accurate quote that is out there.
If a person is caught driving in Pennsylvania without insurance on their vehicle, they will find that they are going to lose points on their license, and that they may have to pay a hefty fine. If the person gets caught many times, they could lose their license all together and be fined even more heavily.
The last thing to remember about auto insurance in Pennsylvania is that the person can save money through signing a paper giving them limited tort. However, it is unclear for most people whether they should do this or not since most people do not agree that it saves that much money.