Auto Insurance in Harrisburg, PA is required by law for any vehicle that is registered. The state requires that drivers maintain liability and no-fault insurance. Compliant drivers who are involved in an accident are covered through these policies. The state adheres to no-fault policies, which require all individuals involved in the accident to file a claim through their own insurance carrier.
Insurance Requirements in Dauphin County
Liability requirements indicate that drivers will maintain at least $15,000 for each victim involved in an accident. The maximum for this coverage is $30,000. Property damage protections must equate to at least $5,000. An alternative to basic liability provides $35,000 worth of coverage and fulfills the insurance mandate for Dauphin County.
Drivers are required to maintain at least $5,000 of medical coverage through their insurance policies. However, they do possess options in terms of no-fault insurance. These drivers may choose a limited right to sue or full tort rights. The stipulations of these choices determine how the driver is allowed to file a claim when injured. Although limited rights to sue are cheaper, they present impositions that prevent him or her from filing a lawsuit unless the injuries are severe. Whereas, full tort does not incur any limitations.
Violations of Insurance Requirements
Any driver who does not fulfill the requirements for Auto Insurance in Harrisburg PA, are subject to penalties. They begin with a $300 fine for failure to comply. In addition, the driver’s license and registration are suspended for three months. The vehicle is also impounded. After completion of the three-month suspension, he or she must pay restoration fees that equal up to $100 to acquire a new driver’s license and registration.
Further Insurance Options
Drivers are not restricted to liability insurance only. They may acquire further insurance coverage to protect them from liabilities and litigation. Uninsured motorist coverage offers the vehicle owner with added protection in the event that the at-fault driver is unable to pay for his or her medical costs. Underinsured motorist insurance covers any excess costs that are not covered through the other driver’s insurance policy. To explore more options, drivers could contact Farnham Insurance Agency for free quotes and details.
