In Pennsylvania, failure to stop for a red light is a 3 point offense. The penalty for causing an accident is normally a notation on your driving record of the accident plus the conviction of the citation for running the red light which will also show up on your driver's record and basically shows that you were at fault for causing the accident.

Being at fault makes you responsible for the damages sustained to the other person's property. Typically, the other party will put in a claim with your insurance. Being at fault and having a claim put against your insurance policy could cause your auto insurance premium rates to rise.

If your insurance rates do go up due to this incident, it might be time to start shopping for affordable car insurance.