Pennsylvania auto financial responsibility law requires that a motorist have the ability to respond for damages caused in an accident by means such as carrying car insurance. The minimum limits for car insurance in PA is $15,000 due to injury to one person in any one accident, $30,000 for injury to two or more persons in any one accident and $5,000 for damage to property of others resulting from any one accident.

Under the PA vehicle code, 1785, states that if the Department of Transportation determines that the owner of a motor vehicle involved in an accident did not maintain financial responsibility on the automobile at the time of the accident, the PennDOT shall suspend the operating privilege of the owner and revoke the registration of the vehicle.

You also will likely be held responsible for the damages caused to the other vehicle, if you were at-fault in the fender bender. There might be other penalties such as fines and reinstatement fees also associated with a driving without insurance citation in PA. For more information regarding being uninsured and being in an accident in PA, contact the Pennsylvania Department of Transportation.

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