Is Auto Insurance Required in Pennsylvania?

If you’re an adult living in the Pittsburgh, PA area, chances are you drive a car. With each state and territory having their laws governing auto insurance, it’s no wonder there’s confusion across the United States over what is and isn’t required. Fortunately, Gallina and Sons Insurance is here to help. Currently, auto insurance is required under law for all Pennsylvania drivers. That said, the law itself is a little more complicated when it comes to buying auto insurance and making sure you have what you need. Here’s what you need to know:

Pennsylvania Uses ‘Choice No Fault’ Regulations

Most people are familiar with either fault (where the driver deemed to be liable for the accident pays for the damages and medical costs through their insurance or personal funds) or no-fault laws. (where both drivers involved have their insurance companies pay for the damages and medical costs) However, Pennsylvania is pretty unique in that it has "choice no-fault" laws, where drivers can opt in or out of no-fault auto insurance.

However, it is essential to know that this choice must be made at the time that auto insurance is purchased, and the choice cannot be changed in the event of an accident. 

There Are Minimum Coverage Requirements

Like most states, Pennsylvania does have a minimum coverage limit for drivers. While the numbers are subject to change, they are currently at $15,000 per person or $30,000 per accident when it comes to bodily injury. With medical benefits, the minimum is at $5,000 per accident. Pennsylvania also can impose hefty fines on people who are caught driving without proper auto insurance (especially if they are involved in an accident), so it is essential to make sure you have a great insurance policy that both fits your budget and adheres to state laws. 

If you live in the Pittsburgh, PA area, contact Gallina and Sons to learn more about how to obtain a quote and a policy.