PA car insurance is mandatory for all registered vehicles in the state. If stopped, and the driver cannot produce proof of insurance, a variety of fines can be imposed, along with having the vehicle impounded. If the driver knowingly has a lapse in insurance, he could have his license suspended for up to three months and/or have his vehicle impounded. Here is some basic information on PA auto insurance.
Pennsylvania provides for two types of coverage: full torte and limited torte. Full torte coverage gives consumers the right to sue for damages above and beyond what the at fault driver is covered for in the event of an accident. Many people already have this type of coverage without knowing it; it is the default insurance for those who are not forced into purchasing no fault policies where that right does not exist.
The second type of insurance, limited torte, is similar but far less expensive. The owner can still sue the at fault driver but can only sue for unpaid medical bills and various out of pocket expenses, but that’s all. He can’t sue for things like pain and suffering. If monthly premiums and budgeting are issues, this may be a viable option to consider.
Minimum coverages are: $15, 000/$30, 000 for bodily injury ($15, 000 per person per accident and $30, 000 in total for all injuries sustained by everyone in one accident). There is also a $5, 000 minimum for property damage that occurs during an accident.
Pennsylvania provides a 5% discount for drivers 55 and over who take state sponsored driving courses which are designed to test and improve driving skills. All insurance companies are required to offer this discount. Insurance companies must also insure drivers who are difficult to insure. This is done under what is called an Assigned Risk Plan where your rate will depend on exactly why you are difficult to insure.
For newcomers to Pennsylvania, it is a good idea to sit down with an auto insurance sales rep in order to discuss the major differences between the full and limited torte coverage. Once you have a complete understanding of each option then you should get quotes from different companies. Premiums can vary widely and insurance companies that offer various bundle pricing (you would have all your insurance with them from life insurance to car insurance, etc.) can offer some pretty steep discounts when it comes to what you might have to pay for your auto insurance policy.
By: Felix Fassbinder
Posts Tagged ‘Proof Of Insurance’
Car Insurance – Rules and Regulations
January 20th, 2010Instant Ohio Car Insurance Quotes
January 9th, 2010
It is important when you buy a car to make sure that you get some low car insurance quotes because whenever you are driving in the state of Ohio you are required to have proof of insurance and financial responsibility. If anyone else drives your car, they must have coverage for it as well. When you are registering your car you must sign a document that says you will not drive the car without coverage and that coverage must be enough to cover at least all of the following three things.
You must cover $12,500 for bodily injuries per person, $25,000 goes to injuries to the body for two or more people and then finally there is $7, 500 that goes towards property damage. However you must remember that these amounts are just Ohio’s minimum and most people believe that having more coverage than this would be a good idea.
Anytime you receive a ticket, go through a vehicle inspection stop, have a traffic court appearance, or have a random check by the Registrar of the Ohio Bureau of Motor Vehicles you are required to show proof of insurance. Also recently a ruling was made in Ohio so that insurance companies might have to include the loss of value to a damaged vehicle and also the costs to repair it. The big question is, who will pay the extra money? And the answer to that is most likely the insurance companies will probably raise their premiums to make up for the loss or possible loss of money.
That is why it is always good to always make sure you get different car insurance quotes so that you may receive the cheapest one. That way you can make sure that you do not lose your license for 90 days, have to pay 75-500 dollars in reinstatement fees, or even have your vehicle sold and your license taken away from you. Save yourself the hassle and get a few good low instant Ohio car insurance quotes.
By: Munyaradzi Chinongoza
Obtaining Car Insurance After a DUI, DWI
January 7th, 2010
Obtaining car insurance after you’ve been charged with a DUI (Driving Under the Influence) can prove to be a challenging task. Most major car insurance companies will not give you coverage and those that will cover you charge an arm and leg for premiums. If you’re a first-time DUI offender, this doesn’t seem very fair, right? If you’re currently insured (In most states you have to be insured), it’s possible that your insurance premium may not go up at all. Many insurance companies check your record every few years. However, if or when they do find out, they could raise your rates or even cancel your insurance.
What Companies Look At Before Offering Insurance
There are several factors that come into play in a company’s decision to offer you an auto policy. Many insurance companies will look at your previous driving history, of course, and some will even check your credit to see how financially stable you are. They also look at your claims history reporting. All of these variables combine to create an “insurance score”, much the same way credit bureaus come up with a credit score.
What Is an SR-22?
An SR-22 is a Department of Motor Vehicles form that provides proof of insurance. This SR-22 is required who have been arrested or convicted for a DUI and want to get a restricted license. It also lets the DMV know that the car insurance company has issued at least a minimum liability coverage for the person filing the form.
Shop Around For Insurance
Make sure to get several quotes from companies before making a decision on purchasing car insurance. Perhaps your DUI lawyer can recommend a few companies that can help you with your SR-22 filing and offer a decent rate.
By: Maria Palma