State of Pennsylvania Insurance Requirements

A no-fault system is intended to prevent insurance fraud because your insurance company compensates you and your passengers for injuries regardless of who is proved at fault. This limits litigation because there is no need to battle over who is at fault. It also speeds up the payment process. The driver who is at fault in the accident is typically charged a higher at-risk insurance premium. In extraordinary situations, a driver in a no-fault state may seek relief in the courts for certain pain-and-suffering damages (versus medical and wage loss damages). In Pennsylvania, an injured driver can sue for pain and suffering damages if these injuries fall into a certain category – for example, death, disability, or disfigurement. In Pennsylvania, policyholders may choose between no-fault systems or the alternative — chasing the other driver’s insurance company for payment. That choice is made at the time the policy is made or renewed.

Insurance coverage requirements in Pennsylvania

The standards below indicate the minimum insurance coverage in Pennsylvania. Naturally, higher coverage can be acquired for policyholders concerned about liability.

$15,000 This is the maximum amount per person paid for bodily injury (“BI”) injuries.
$30,000 This the total amount paid by the policy for all bodily injury to all persons. Therefore if several people are injured, those who file first would receive payment as defined above, and once the total payment was reached, the remaining parties must pursue the policyholder for any sums over these amounts.
$5,000 This is the total amount paid for property damage (“PD”).

SR-22 is Not Required in Pennsylvania

SR-22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR-22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV).  The SR-22 is not an insurance policy. It is evidence that you have a policy. Pennsylvania does not require an SR-22 for DUI offenses. However if you have an SR-22 filing in another state, and move to Pennsylvania, you must maintain your SR22 in the state where it is required.

What if you’re involved in an accident in a state other than Pennsylvania?

The good news is that most policies will increase to match the minimum requirements of the state in which the accident occurred. The 12 states with no-fault insurance systems require that your insurer pay for your damages (as if you had a no-fault policy).