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Pennsylvania Liability Auto Insurance – What You Need To Know

Pennsylvania Liability Insurance

Like many states, it is required by state law for drivers to have Pennsylvania liability insurance to be behind the wheel of a currently registered car. Liability insurance is a driver’s proof that he or she is taking financial responsibility for potential damage caused in an accident. It covers the damage they may cause if they are the driver who is deemed at fault in the collision. The importance of liability insurance is that this basic amount of an auto policy covers property damage or injuries and medical expenses that result from an accident you cause.

Things to Know About the Pennsylvania Liability Insurance Laws

Too many drivers take the risk of driving without any car insurance policy in place. Every state in the country except for one requires drivers to have some type of insurance policy in order to drive legally. If you are a Pennsylvania resident or have recently relocated to the state and need your new driver’s license you should be aware of what is required from you legally. By doing this you can avoid tickets, fines or even the possibility of losing your license.

Some other things to know are: Pennsylvania Liability Insurance

  • As a licensed Pennsylvania state driver, you cannot have a lapse in your insurance policy coverage that exceeds 31 days. If this should occur, the result will be a suspension of your vehicle registration for a period of three months. The only way to avoid being penalized by the state of Pennsylvania for this lapse is if you can prove the registered vehicle was not operated during the brief break in coverage. Failure to prove this will result in a three-month suspension of your driver’s license as well.
  • Auto insurance policy providers are required by law to notify the state in the event that an insurance policy is canceled. If you obtain new Pennsylvania liability auto insurance it is your responsibility to provide the state with new proof of insurance to avoid losing your legal vehicle registration and driver’s license.
  • There are of course exceptions including instances where the plate has been stolen, the vehicle has changed hands or the driver acquires a different vehicle that he or she legally registers. To find out more about the details for maintaining Pennsylvania liability car insurance check with the state’s website or the local Department of Motor Vehicles to make sure you meet the required guidelines.

Learning About the State Requirements

Each state that requires its drivers to carry liability car insurance has a different required minimum coverage. There is a minimal amount needed for medical bills per person involved in an accident, minimum required for all potential medical expenses per accident and a set amount for property damage.

This amount can change so be sure your current auto insurance policy meets these state requirements. This is especially true if you are a new registered driver to the state. Get the coverage you want at the premiums you want by simply using your Pennsylvania zip code. Get quotes for your Pennsylvania liability insurance policy and get the protection you need.

Is Liability Auto Insurance Right for You?

Is Liability Auto Insurance Right for You

Getting your first insurance policy in place can make you wonder “is liability auto insurance all I need?” Even for drivers who have added, changed or canceled insurance policies throughout the course of their driving history, the world of car insurance can be confusing and overwhelming. The thing is that it does not have to be that difficult to figure out. The important part is that by the end of the process you need to have the right amount of coverage.

Is Liability Auto Insurance Right for You

How do you decide what the right amount of coverage is for you?

  • Find out what your state’s minimum requirements are for car insurance. For example, all states except for New Hampshire require drivers to carry a minimum of liability car insurance. Other states may have other requirements such as collision insurance, comprehensive coverage or no fault insurance, just to name a few.
  • If you are financing a car, you will need to find out what the minimum coverage you can have on the vehicle is. It is important to get the right type and amount of coverage for a financed car and to keep the policy current. Otherwise, the finance company is likely to tack on their own insurance, which ends up being much more pricy.
  • If you have a car that is already paid for and may not be worth a high enough value to have full coverage, you may be better off with cheap liability auto insurance. You can put aside each month the money you are saving by carrying liability insurance as opposed to full coverage and if you do total out your car, you will have money to put towards a new car. Often times paying full coverage insurance premiums for an older vehicle will cost more per month than what you would get if for its value if the car is totaled.

What Exactly Liability Car Insurance Means

Liability insurance is the basic automobile coverage you need to have to cover another driver, passengers, repairs to the other car or property damage in the case of a collision where you are at fault. It means that if you are deemed at fault your own car will not be covered, but you will not have to pay anything out of pocket for damage and medical for others involved in the accident. Of course this is also determined by the amount at which you set your minimum and maximum coverages.

For instance:

  • All states which require liability auto insurance have a minimum required amount, which varies across the country. Once you have met this, it is your choice on whether or not you want to go above and beyond the set amounts. Your policy will come with the maximums to be covered by your insurance carrier.
  • The three numbers that impact your coverage as well as your price are expressed this way 20/45/20. The first number represents the amount of coverage you have for personal injury expenses per person per accident and would be $20,000 for this example. The middle number, which equals $45,000 in the example, is the amount for total medical coverage for all persons involved in a single accident. The final number, which is $20,00 here, is the amount of property damage that the insurance company will cover. You can go with the minimum requirements but should keep in mind if any of these areas exceed the amount of coverage you have, the rest of the medical or property damage expenses will be your out of pocket responsibility.

Some Other Facts about Liability Car Insurance

Liability insurance, which is also sometimes referred to as liability only insurance, is an affordable way for many drivers to get the minimum required insurance as deemed by their state. Getting cheap liability auto insurance is a way to avoid getting expensive tickets or fines if you are caught driving without insurance. Driving without insurance isn’t just risky as far as racking up driving infractions; it can also result in expensive problems if you should have a wreck.

Think of it this way:

  • Without liability car insurance if you have an accident and are at fault, you will have to pay for a lot more than your own vehicle repairs. You will also be responsible for the repairs or possible replacement of the other car involved in the accident.
  • Unless you have insurance, you will be liable for your own medical expenses. Not only that, you will be financially responsible for any passengers in your car and the driver and passengers of the other car or cars you hit.
  • Any and all private property damage done to things such as a home, a fence, mail box or other property will be your responsibility to pay for out of pocket.
  • You could also be looking at covering the costs of repairing or replacing public property things such as light poles, guard rails or buildings.

Coming up with the money per month to cover the liability auto insurance premiums is a great deal cheaper even in the long run than trying to pay for any of these things from your own out of pocket funding. This type of mistake can lead to such a great deal of debt that many drivers suffer things such as garnished wages, repossessed vehicles, foreclosed homes and ultimately bankruptcy.

The Bottom Line

Even if you have been driving illegally without the required minimum liability insurance, you can get a policy in place immediately. If this is your first time securing insurance coverage, if you are changing policies because your vehicle has depreciated in value and is no longer financed or for any other reason, you may want to get a liability car insurance policy in place as soon as possible.

You can work with an automobile insurance agent to find out what the minimum requirements are for your state and get a new policy in place. You can also get your liability insurance quotes right away from multiple competing insurance providers just by supplying the zip code for where you live.

Skipping Auto Liability Insurance Could Come with Great Consequences

Skipping Auto Liability Insurance Could Come with Great Consequences

If you have been holding out getting an auto liability insurance policy in place, it is time to stop procrastinating. If you have been putting off driving because you do not think cheap liability auto insurance could exist, it is because you have not yet bothered to get free quotes from insurance companies competing to get your business. Skipping Auto Liability Insurance Could Come with Great Consequences

However, if you are running the risk of not having insurance and are currently operating an automobile on a regular basis, you could end up with more problems that you can imagine. The two biggest problems that can arise from driving without even the minimum auto liability insurance policy in place are:

  1. Accruing bills related to an accident that you cannot afford
  2. Suffering serious fines and legal penalties

In fact, the only US state that does not require even liability insurance is the state of New Hampshire. Otherwise you must have liability auto insurance as a driver or you could be facing dire consequences. As far as expenses it is crucial to realize that if you have an accident it is not just your car that you may have to shell out money for.

You may also have expenses from:

  • Your own injuries and medical bills including surgeries, hospital stays and even follow up treatments such as physical therapy unless you have health insurance.
  • The cost of another driver’s automobile repairs or possibly even replacement.
  • The cost of damage to personal or public property. This could include a mailbox or a street sign.
  • The medical bills for injuries that other drivers or passengers suffer.

Taking It State to State

One important reason for getting your auto liability insurance quotes is that it differs from state to state. The minimum amounts for things such as:

  • bodily injury liability amounts
  • property damage
  • the state law minimum for general insurance

You can find out on your own by contacting your local Department of Motor Vehicles, looking online or even by speaking with an agent from whichever auto liability insurance provider you opt to go with. Keep in mind these numbers are for a policy to cover you when you are in an accident that is deemed your fault.

Some drivers choose to take a gamble and drive without even liability insurance. Another risk is that if you have an accident that is not your fault, you may actually be penalized anyway for being caught by your state for driving without the minimum in place. In some instances, especially in states that require drivers to carry “no fault” insurance coverage, you may not even have any coverage by the other, responsible driver.

Don’t take a gamble when it comes to having the proper kind and amount of liability auto insurance in place. All it takes is a zip code and you can be on your way to comparing affordable rates on auto liability insurance rates and get yourself covered as a legal driver as soon as today.

Cheap Liability Auto Insurance Does Exist

Cheap Liability Auto Insurance Does Exist

Before you can decide on getting liability insurance and getting those competitive quotes to decide who should be your provider, you first must have a basic understanding of what it is. It is also important to know right away that every single one of the United States except New Hampshire requires drivers to have at least this minimal amount of insurance in place.

In many states, driving without the minimum liability insurance in place can result in serious driving infractions and possibly hefty fines. If you have been driving without liability insurance, it is time to stop taking such a serious risk. Of course, if you are just getting insurance for the first time because you are a new driver, this can be a comprehensive guide for you to understand what liability insurance is and how it protects you as a driver.

The Basics of Liability Car Insurance Cheap Liability Auto Insurance Does Exist

Liability insurance is the bare minimum that covers what you are liable for. This may not sound like much when you think about having to pay out premiums, but keep in mind this is the least amount of coverage you can get. Not to mention cheap liability auto insurance means not having to pay as much as you would with other types of policies.

This is one reason liability insurance is common for drivers who feel the cost of replacing or repairing their own vehicle would not be worth the extra cost of full coverage. So if you just want to make sure you can cover your liabilities to others in the event of a collision, your liability auto insurance should include:

  • Bodily injury to others
  • Vehicular repair for other driver(s) involved
  • Property damage for others aside from a vehicle such as a home or fence for example

Understanding How Liability Auto Insurance Saves You Money

If you should have a wreck without any type of insurance in place, the amount of expenses you may be responsible for can be so astronomical it could be difficult to even comprehend. You may not realize if you have an accident it isn’t just about maybe repairing your car or knowing you won’t have your car.

  • You could sustain personal injuries that you cannot afford unless you have personal health insurance.
  • You could be liable for damage to someone else’s vehicle.
  • You could be expected to pay for damage to someone’s property.
  • You could be financially responsible for another person’s medical bills.
  • You could also be looking at paying for damage to public property such as light poles or guard rails.

If you think you are saving money by not keeping a liability insurance policy and end up having to cover any or all of these costs, you can see how a small investment in insurance could help save thousands later.

To find out what your basic liability insurance policy would run you; take advantage of getting free quotes for competitive rates. All we need from you is a zip code to help determine what your possible cheap liability auto insurance rates could be.