In Pennsylvania, all auto owners are required by state and federal laws to comply with auto insurance mandates. Any failure to comply with the laws could lead to fines, driver’s license suspensions, and the impoundment of the automobile. A local insurance provider could explain details about driving laws and auto insurance in North Huntingdon, PA for all drivers.
What are the Minimum Requirements?
The state of Pennsylvania requires auto owners to have several auto insurance policies. The minimum for bodily injury liability coverage is $15,000 for a single-victim accident and $30,000 for a multiple-victim accident. The policy must also provide at least $5,000 for property damage liability coverage.
Drivers must also have uninsured motorist coverage that provides $15,000 for single-victim accidents and $30,000 for multiple-victim accidents. Underinsured coverage must also meet the same minimums. Drivers also need first party benefits medical payment coverage with a minimum of $5,000.
Managing a Teen Driver
In the state, parents are required to monitor their teen drivers. Teens may acquire a driver’s license after completing the six-month learner’s permit requirement. The learner’s permit is available after the driver turns sixteen. The driver must complete a total of sixty-five hours of supervised driving including nighttime and inclement weather conditions. The parent cannot allow the teen driver to operate the vehicle after 11 pm, and there cannot be more than one passenger in the vehicle. A failure to comply with the laws could lead to serious consequences.
How are the Auto Accident Lawsuits Managed?
All drivers who purchase auto insurance in North Huntingdon, PA must also choose a limited or full tort option. The state limits lawsuits to accident victims who sustain serious injuries only. The tort selection chosen by the driver determines their ability to file a lawsuit in the state of Pennsylvania.
In Pennsylvania, all auto owners who wish to register their vehicle must obtain insurance coverage first. The driver must maintain proof of insurance coverage in their vehicle and present it to law enforcement officers during a traffic stop. They must also present proof to the Department of Motor Vehicles. Auto owners who want to learn more about auto insurance in North Huntingdon, PA are encouraged to contact E.F. Barrett Agency Inc. right now.
