Pennsylvania No Fault Insurance

Pennsylvania No fault Insurance is not at all a purely no fault plan, but a combination of no-fault and at-fault plans. If you are a driver in the State, the Pennsylvania insurance laws allow you to select your desired plan, which is a choice between no fault and traditional coverage.

No Fault Plan under the Pennsylvania insurance law directly applies to any hospital and medical costs, as well as lost wages incurred, due to a car accident. The expenses for both parties involved in the auto accident are fully covered with their individual policies. Regardless of who might have caused the auto accident, such expenses are only paid through both parties’ policies, and not through insurance of the driver responsible for the accident.

When it comes to the “at fault” provision of the state’s car insurance law, this applies to suffering and pain, and other non-monetary losses. If you are a driver who have acted negligently, and are deemed responsible for a car accident by the authorities, according to the “at fault” provision, you will be responsible for compensating the injured.

Pennsylvania Auto Insurance Requirements (PIP and Property Damage)

In the state of Pennsylvania, it is a must to obtain car insurance. The medical benefits pay for the insured and passengers of his vehicle. In case of PIP insurance, everyone benefits, no matter which party is responsible for the car accident. On the other hand, injuries to the other car passengers are covered with the bodily injury liability.

Property damage liability is insurance coverage for any damage in property caused by an auto accident, at which the insured is at fault. Full and limited tort will tell the extent of damages an insured individual can recover. Full tort insurance provides the insured an unlimited right to recover any type of damage from the other party. On the other hand, limited tort limited the damages the insured driver can be entitled to have.

Minimum Pennsylvania auto insurance requirements include:

  • Medical benefits – amounts to 5,000 dollars
  • Bodily injury liability – with a limit of 15,000 up to 30,000 dollars
  • Property Damage Liability – with a limit of 5,000 dollars

Penalties for Driving without Insurance in the State of Pennsylvania

Pennsylvania driving laws require every motor vehicle to be registered and covered by appropriate insurance. If you are found to be driving without insurance in the State of Pennsylvania, penalties include the suspension of your car registration, as well as driving privileges. The Pennsylvania Department of Transportation will work on the suspension of your car registration for a three-month period, as well as your operating privilege.

When serving such suspensions, you must surrender your car registration plate, sticker, card, and license to the PA DOT. Once you have served all penalties, you will have to pay 50 dollars as restoration fee. You will likewise need to show proof of valid insurance in order for you to acquire your car registration and driver’s license.

In case, you have been cited for driving without appropriate insurance, it is advisable for you to contact the Pennsylvania Department of Transportation to learn about your suspension and any other penalties to be faced, like fines or impoundment of car.

Pennsylvania DUI laws & penalties

You are considered to be legally drunk in the State of Pennsylvania, if your blood alcohol level is .08 percent and above. If you are a commercial driver, you are legally drunk if the concentration of alcohol in your blood is at least .04 percent, or even more. If you work as a school bus driver, then consider yourself to be legally drunk if your blood alcohol level is .02 percent or greater. Drivers under the age of 21 are considered drunk, if they possess blood alcohol concentration of .02 percent or more.

If you are convicted of DUI with a blood alcohol concentration of less than .10 percent, your license will not be suspended for the first offense. If you committed a DUI with a BAC higher than .10 percent, and you have previous DUI convictions, you will be subjected to a grading system, which will determine the suspension of your license. Most probably, duration of suspension is between 12 months to 18 months. If you have been convicted of three DUI’s, according to Pennsylvania DUI laws, you are a habitual offender. In such case, you will have your license revoked for a maximum of five years. Every consequent offense committed within five years from the last offense will result in another two-year revocation.

Pennsylvania Car Insurance Rates vs National Average Rates

Pennsylvania Car insurance rates run higher, compared to the national insurance rates. This is why aside from the large expense brought about by owning a vehicle in key cities of the state, monthly premiums can further add to money expense of Pennsylvanian household. Fortunately, motorists and car owners from the State do not have to worry so much about such expense. You can still save significantly, even when Pennsylvania car insurance rates tend to be high. This can be achieved by getting your insurance policy from established insurance providers, which are willing to offer you with low-insurance premiums.