In Pennsylvania, all drivers are required to follow the state mandate for auto insurance. If they fail to comply with the law, the state can impose hefty fines and suspend their license. A local insurance provider offers a wide variety of policies for Auto Insurance in McKeesport PA to fulfill the requirements as outlined in the law.
The Exact Auto Insurance Requirements
All auto owners must purchase bodily injury liability coverage that equates to $15,000 for each who is injured in an accident. The maximum payment must be at least $30,000. Property damage coverage must be at least $5,000. All drivers must have uninsured motorist and underinsured coverage as well. The policies must provide the same coverage level as the liability coverage. The medical payment benefits must be no less than $5,000.
When is Proof of Insurance Required?
Proof of insurance is required at any time that a law enforcement officer stops the automobile. The driver must show evidence of the insurance coverage. If the driver doesn’t have proof, the law enforcement officer issues a citation to the driver.
What Penalties are Possible Without Insurance Coverage?
Initially, the driver will face a fine for a failure to follow auto insurance laws. The fines start around $200, but they are increased with each conviction. If the driver continues to receive citations, the state can impound their automobile, revoke their driver’s license, and suspend their vehicle registration.
What Happens if the Driver Gets a DUI?
If any driver is convicted of a DUI, the state requires them to purchase SR-22 certificates for up to three years. The certificates are not insurance, but they are additional proof that the driver complied with the state laws. The state could also require the driver to pay additional fines each year for their failure to comply with traffic laws.
In Pennsylvania, all drivers must comply with all auto liability insurance laws or face serious penalties. Since Pennsylvania is a no-fault state, accident victims must file a claim through their insurance coverage. However, if the injuries are more severe, the victim can file a lawsuit if they choose full-tort coverage. Drivers who need to know more about Auto Insurance in McKeesport PA contact E.F. Barrett Agency Inc. right now.
