Why You Need To Have Pennsylvania Auto Insurance
Having a car can be expensive. Even if you don’t have to make car payments because you own your car, general maintenance, gas, and car insurance can really begin to add up. You’ve probably thought about dropping your Pennsylvania Auto Insurance more than once because it’ll be more affordable. However, that just isn’t an option.
Did you know that having Pennsylvania Auto Insurance is the law? There’s no way around it; if you have a vehicle and you drive it then you have to have at least the state minimum for car insurance. In Pennsylvania, you must have Bodily Injury Liability, Property Damage Liability, and Limited Tort. It may seem like a lot of coverage, however you’ll be very thankful that you have it if you’re in an accident.
We often think “I won’t get in an accident”. But they happen. A lot of things come into play when you get into an accident. It’s not just your own vehicle and whomever is in your car that you have to worry about. There’s also the other person and their property. Furthermore, if there comes to be a lawsuit against you, you could be found responsible to pay the other person’s legal feels as well. Having insurance will greatly save you from the astronomical expenses as a result of an accident.
If it comes to be that you are in an accident and you don’t have Pennsylvania Auto Insurance, the expenses aren’t the only thing that could be put on your shoulders. In fact, if you are simply pulled over for any reason and you do not have auto insurance you could face a number of penalties including:
- A minimum $300 fine
- 3 month vehicle registration suspension
- 3 month driver’s license suspension
- Vehicle impoundment
After you take care of any or all of the things above that are issued upon you, they will end up on your driving record. Too many driving record infringements and you could have your driving privileges suspended for a longer period of time. In addition, actually obtaining car insurance could become more difficult. Pennsylvania Auto Insurance Companies reserve the right to deny you coverage if you are found to be too much of a liability. If a potential insurance company does give you coverage, you may end up paying much more than you would normally pay.
It can be an extra expense, but having Pennsylvania Car Insurance isn’t an option, it’s a necessity.