Pennsylvania High Risk Auto Insurance
Pennsylvania has 176 different insurance providers licensed to underwrite and sell policies. Some of the providers of Pennsylvania high risk auto insurance include 1st Choice Auto, American Fire & Casualty, Esurance, Firemen's Fund, Geico, and Insurance Company of the State of Pennsylvania.
Pennsylvania follows a tort system when assessing fault for auto accidents. This means that one driver will be found at fault and held financially responsible for the medical and property repair costs of the other parties involved in the accident. With this in mind, the state has put certain minimum liability insurance requirements in place. These include Bodily Injury Liability coverage at a minimum of $15000/$30000 per person/per accident, property damage liability of $5000, and Personal Injury Protection of $5000 (also known as Medical Expense Benefit). The minimum recommended is $100,000/$300,000 per person/per accident, $10,000 for Personal Injury Protection and $25,000 for Property Damage Liability. Uninsured/underinsured motorist coverage is recommended but not required by law. The basic plan is typically referred to as 15/30/5 insurance coverage.
Drivers in the state of Pennsylvania are required to have proof of insurance in the vehicle at all times. Failure to produce this proof in the event of a traffic stop or an accident can result in a $300 fine, three months suspension of driver's license and vehicle registration, vehicle impoundment, and the restoration fees assessed to get one's driver's license and registration reinstated as well as paying the impound fee on the vehicle. Avoid the need for high risk auto insurance by understanding the laws of the state you reside in.