In the state of Pennsylvania, auto insurance is the law. All Pennsylvania state drivers must carry minimum auto liability insurance in the amount of 15/30/5. This means in order to operate a vehicle on Pennsylvania avenues and highways, you must carry:
$15,000 of Liability Bodily Injury coverage per person injured
$30,000 of Liability Bodily Injury coverage per accident
$5,000 of Property Damage coverage per accident
Liability auto insurance refers to insurance against loss resulting from civil liability for injury or damage to the persons or property of others. The Pennsylvania Insurance Department strongly urges motorists to purchase higher amounts of auto insurance than the legal limits plus uninsured/underinsured motorist insurance (UM/UIM). More than 7% of all Pennsylvania motorists are uninsured. This type of insurance will protect the states insured drivers against the 600,000 drivers that defy state laws and drive without insurance. Unfortunately, thousands more drive with inadequate insurance.
If you decide to drive without auto insurance in Pennsylvania, you risk losing more than your life savings in the unfortunate event of an accident. If you are caught driving without insurance in The Keystone State, you will have to pay a fine of no less than $300 and your vehicle license and vehicle registration will be suspended for three months.
Purchasing insurance in Pennsylvania is simple. Sites like Insuredonline.info provide drivers the choice of insurance companies serving their area. The average yearly cost for Pennsylvania automobile insurance is $1,724. Compared with the financial risk and anxieties related to driving without insurance, this is a small price to pay.
