If you drive a car in Pennsylvania, you are required by law to carry vehicle liability insurance, or what some officials refer to as "maintaining financial responsibility." This is not one of those laws you want to roll the dice on. Failure to conform could result in your license being suspended and, in the event of an accident, your financial health being decimated.
To maintain your status as a law-abiding vehicle owner, you must minimally carry the following insurance coverage for every registered vehicle you own:
$15,000 for injury or death of one person in an accident
$30,000 for injury or death of more than one person in an accident
$5,000 for damage to property of another person
Your insurance company will mail you an insurance identification card that will serve as your proof of coverage. You must carry this in your car at all times.
Repercussions for Not Being Insured
Failure to carry car insurance comes with dire consequences:
Getting slugged with a $300 fine.
A three-month driver's license suspension and a subsequent $50 reinstatement fee.
A suspended registration for three months and a subsequent $50 reinstatement fee.
Your vehicle, during your suspension, could be banned from being driven at all―by anyone.
Things to Remember
Getting stopped by a police officer is not the only way of being found guilty of failing to be insured. If you don't renew your insurance, your carrier is required to notify the Pennsylvania Department of Transportation (PennDOT). The agency will then send you a letter requesting your new insurance carrier's information. Failure to respond will cue PennDOT to suspend your driver's license.
If you bring your car to a vehicle inspection station without proof of insurance, it will not be inspected. The inspection station will then notify PennDOT, which will prompt a letter to you demanding insurance information. Failure to respond will result in a license suspension.
You will not be allowed to register your vehicle without proof of insurance.
Further Information
For additional car insurance details, read PennDOT's insurance FAQs or contact the agency's insurance specialists at:
Pennsylvania Department of Transportation
Financial Responsibility Section
P.O. Box 68674