Automobile Insurance Guide pennsylvania
and can be downloaded from our Web site:
Auto Insurance Glossary
Questions and Answers about Automobile Insurance
Comparison of Sample Premium Rates
An
Introduction
A glance at
what’s inside
A glance at what’s inside
Page 2
Drivers must purchase and maintain car insurance in order to legally
drive in Pennsylvania. Under Pennsylvania law, this is called maintaining
“financial responsibility” on your vehicles. A lapse in insurance coverage
may result in the suspension of your vehicle registration privilege for
three months, unless the lapse of insurance was for a period of less than
31 days and the owner or registrant proves to the Department of
Transportation (PennDOT) that the vehicle was not operated during this
short lapse in coverage.
If PennDOT determines that you operated your vehicle without the
required insurance, your driver’s license may be suspended for three
months. Also, your car’s license plate, registration sticker and driver’s
license must be surrendered to PennDOT in order to serve the
suspension. Restoration fees and proof of insurance must be submitted
prior to having either registration or driving privileges returned.
If you are stopped for a moving violation and it is determined that you
are operating your vehicle without insurance, you could face the
following penalties and expenses:
• A minimum of $300 fine for driving uninsured
• A three-month suspension of your vehicle registration
• A three-month suspension of your driver’s license
• Restoration fees to restore your vehicle registration
• Restoration fees to restore your driver’s license
• Vehicle impoundment
In addition, your vehicle may not be driven by anyone while the
registration is suspended
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