Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in an accident
In Pennsylvania, driving without insurance is a serious offense. Failure to show proof of insurance when requested may result in fines or a suspended license. If you are involved in a reportable accident, the investigating officer must complete an accident report and forward the report to PENNDOT. If it is determined that you were without insurance, your vehicle registration and driver’s license will be suspended for three months each.
If your motor vehicle is not insured with liability 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
- $50 restoration fee to restore your vehicle registration
- $50 restoration fee to restore your driver’s license
- That vehicle may not be driven by anyone while the registration is suspended.
You will also likely be held liable for the payment for the other party in the accident damages if you were found at fault. For more information about your penalties & responsibilities contact the Pennsylvania Department of Transportation’s Financial Responsibility Section.
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