In Pennsylvania, auto owners are required by law to fulfill the state mandate set by local laws. The mandate requires them to acquire liability coverage as defined by federal laws. These laws indicate that criminal charges may be applied if the owner doesn’t purchase auto coverage. The following are details about Auto Insurance in Hawley.
The Requirements of the State
The current requirements for auto coverage for the state of Pennsylvania start with bodily injury liability coverage. The policy must provide a minimum of $15,000 with a maximum of $30,000. The property damage coverage must equate to $5,000. Next, the uninsured motorist coverage must provide a minimum of $15,000 and a maximum of $30,000. The underinsured motorist policy must also provide the same level of coverage as the uninsured motorist policy. Finally, the first party benefits medical coverage must provide $5,000.
What Happens if the Driver Doesn’t Have Coverage?
If the driver doesn’t have any insurance coverage, the state can take legal action against the owner. Typically, they impose a fine based on the total number of violations on the owner’s record. If there are more than one conviction, the fine could equate to the maximum penalty. The state can also impound the vehicle and suspend the registration.
What Happens After an Accident?
The circumstances of the accident define the fault of the owner. If anyone was injured and it was the owner’s fault, they must file a claim through their insurance carrier. If they don’t have any coverage, they could face serious out-of-pocket expenses.
Are There Terms that Prevent Coverage?
Yes, if the auto owner was intoxicated or under the influence of controlled substance, the insurer can deny coverage for an accident. They can also cancel coverage if the owner misses any premium payments.
In Pennsylvania, auto owners must follow all laws issues by the state associated with auto insurance. They must purchase all policies required by the state and maintain a current record for coverage with the Department of Motor Vehicles. They will face fines if they fail to comply with these requirements. Auto owners who need to acquire Auto Insurance in Hawley visit Nepainsurance.com for more details now.
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