What are the laws about car insurance?

In Pennsylvania, car insurance is required in order to legally drive a vehicle. This means that all drivers must have an insurance policy that meets the minimum liability requirements set forth by the state. The minimum liability required by Pennsylvania law is as follows: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident. In addition to the minimum liability coverage, Pennsylvania also requires all drivers to have uninsured/underinsured motorist coverage of at least $15,000 per person and $30,000 per accident. This coverage provides protection to the policyholder in the event that they are involved in an accident with someone who does not have insurance (uninsured motorist) or does not have enough insurance (underinsured motorist). Drivers should also consider purchasing additional types of coverage, such as collision, comprehensive, or rental reimbursement coverage. Collision coverage provides protection for the policyholder in the event of an accident; comprehensive coverage is for damages caused by something other than an accident, such as theft, fire, or vandalism; and rental reimbursement coverage pays for rental car expenses in the event that the policyholder’s car is being repaired following an accident. Drivers are required to show proof of insurance to law enforcement officers if stopped while driving and must also have proof of insurance when registering their vehicle. Failure to comply with Pennsylvania’s insurance requirements can result in serious legal consequences, including fines, license suspension, and even jail time.

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What are the laws about car insurance?

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