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Pennsylvania Auto Insurance Information

Under Pennsylvania law, motorists must carry a minimum of $15,000 per person and $30,000 per accident in Bodily Injury Liability (BIL) insurance, as well as at least $5,000 in Property Damage Liability (PDL) coverage. BIL covers the medical and other accident-related expenses of the other driver, pedestrian or cyclist when the insured is at fault, while PDL pays for repair or replacement to the other party’s vehicle. Pennsylvania’s mandatory limits are very low in comparison to other states, so it is wise to purchase additional coverage to protect personal assets in case of a serious crash.

Pennsylvania does not require drivers to purchase uninsured or underinsured motorist insurance, but additional coverage is prudent to purchase. While the state does not require collision or comprehensive coverage, lenders will likely require such insurance for leased or financed vehicles.

BIL does not pay for the insured’s medical expenses. As with other no-fault states, Pennsylvania law does mandate at least $5,000 in PIP coverage, which does go towards paying the driver’s medical bills.

Penalties for driving without insurance in Pennsylvania include a three-month driver’s license and motor vehicle registration suspension, as well as a $300 fine and $176 in registration fees.

SR-22 Insurance in Pennsylvania

Pennsylvania is one of the few states that does not require drivers convicted of serious motor vehicle offenses, such as DUI, to file an SR-22 form, a certificate of financial responsibility, in order to restore their license. However, when such motorists do regain their licenses, they can expect to pay significantly higher insurance premiums.

Pennsylvania Driver Statistics

The Keystone State is home to approximately 12.8 million people, making it the fifth-largest state in population. Nearly 9 million Pennsylvania residents have driver’s licenses. The state includes large, world-class cities such as Philadelphia and Pittsburgh, along with large swaths of rural, industrial and mining areas. While oil, steel, and coal were once the major industries in Pennsylvania, the largest current industries in the state’s diverse economy include agribusiness, natural gas, manufacturing, life sciences, plastics, and tourism.

Named for founder William Penn, Pennsylvania has played a major role in our nation’s history, from the creation and signing of the Declaration of Independence; the Revolutionary War battlefields of Brandywine and Germantown and Washington’s Crossing of the Delaware River, along with his encampment at Valley Forge; the Civil War Battle of Gettysburg, a turning point in the conflict, and much more. Besides historical tourism, popular attractions include chocolate-themed Hershey Park, the Philadelphia Museum of Art, Amish life in Lancaster County, Eastern State Penitentiary in Philadelphia and the many state parks where recreational opportunities abound.

Pennsylvania Auto Insurance & Accident Facts

While 2017 ended with the lowest number of traffic fatalities on record, 1,137 people still lost their lives that year on the Commonwealth’s roadways. That averages three such deaths daily. Still, Pennsylvania’s overall traffic fatality rate per 100,000 people is one or two less than the U.S. average. There were 128,188 crashes reported in 2017. Overall, the fatality rate dropped 4.3 percent over 2016, while the reported accident rate rose by 1 percent. The most common crash causes were speeding, distracted driving, making improper turns and driving under the influence.

References

https://www.nolo.com/legal-encyclopedia/pennsylvania-no-fault-car-insurance.html
https://www.nolo.com/legal-encyclopedia/what-is-the-personal-injury-statute-of-limitations-in-pennsylvania.html
https://www.valuepenguin.com/auto-insurance/pennsylvania/penalties-driving-without-insurance
https://www.penndot.gov/TravelInPA/Safety/Pages/Crash-Facts-and-Statistics.aspx
https://www.dmv.pa.gov/Pages/Pennsylvania-Driver-Statistics.aspx
https://dced.pa.gov/key-industries/