When you own your very own car you take on the responsibility of keeping the vehicle insured. If you are caught driving a car without auto insurance in Honesdale, Pennsylvania, then you face the penalty of having your vehicle’s registration suspended. A suspended registration means you cannot drive your car legally. You will have to get more insurance and work through a host of obstacles to get the registration restored. Here are some things to help you through the process.

Steps to Get Your Registration Restored

1. Call around and get another insurance policy right away. The longer you are without insurance the more costly and harder it will be to get more insurance for your auto.

2. In Pennsylvania you will have to provide proof of insurance to the DMV within 30 days to avoid a suspension. If it was dropped you will have to fill out a MV-221 form in order to get your registration back. If it has been longer than 30 days you will have to turn in your plates and stickers for 3 months.

3. In some cases you will have to pay a reinstatement fee in order to get the registration back.

4. Make sure to turn in all paperwork on-time and have every thing filled out completely to avoid delays.

As your independent agent in Pennsylvania we can help you through the process of getting your registration back. It’s important that you give us a call so that we can give you specific details for your circumstances. You must call us right away so we can help you get your registration back before the 30 day deadline has passed. We can also answer any questions that you may have about auto insurance in general.

If you have a full coverage out of state car insurance policy and are traveling to Dunmore, Pennsylvania your current car insurance will cover you, your passengers and others on the road. As your independent agent, it is important that you call us today so we can give you the specific details of your circumstances.

If you move to Dunmore, Pennsylvania, from another state, your full coverage out of state auto insurance policy will still cover you, your passengers and others on the road until it expires. You should make sure that your auto coverage meets the minimum requirements of Pennsylvania. As your independent agent we can help you.

Most car coverage’s have sections in the policy that will comply with insurance companies of other states. All states have their own auto insurance laws. You will then have to purchase a full coverage car insurance policy for Pennsylvania, when your other contract expires. Auto insurance Coverage’s generally cover drivers nationwide.

Pennsylvania as in any other state has minimum laws. Drivers in Pennsylvania need to carry at least $15,000 in bodily injury per person, Liability per person needs to be $30,000, Liability for property damage needs to be $5,000, and PIP or personal injury protection needs to be $5,000.

If you are just driving through Pennsylvania or are settling in the area, make sure that, your current coverage carries at least these amounts, according to Pennsylvania state law.

Do not ever take the chance on driving in any state, including Pennsylvania without auto insurance coverage. The premium monthly payment is a lot less than the penalties and fines associated with no coverage, should you be in an accident or stopped and found not to have coverage.

If you find in your auto insurance policy that you do not have Pennsylvania’s minimum coverage speak with an independent agent in Dunmore, PA as soon as possible in order to follow Pennsylvania laws. We are here to help you, contact us today.

Dunmore drivers should be aware that Pennsylvania is one of the few "no fault" states that allow drivers to receive no-fault auto insurance . Under the no-fault system, drivers can receive compensation following an accident regardless of who caused the accident. Though the no-fault system is less common in the United States, it is worth understanding because it can have a huge impact on your insurance options.

How No-fault Insurance Works in Pennsylvania

Pennsylvania is unique because it gives drivers the option of choosing no-fault coverage. While Pennsylvania accepts no-fault coverage, it also allows you to choose a traditional policy, which primarily consists of liability insurance. However, the main benefit of choosing no-fault coverage is that it protects you from lawsuits and minimizes your liability. The downside is that it limits your ability to sue other drivers, but this could be worth it to avoid the hassle and expense of fighting a lawsuit.

Personal Injury Protection Coverage under the No-fault System

No-fault insurance is identical to personal injury protection (PIP). PIP is simply a form of coverage that is taken out to cover your medical expenses regardless of fault during an accident. Pennsylvania law states that you must hold a minimum of $5K in PIP coverage if you opt for no-fault coverage. However, it is recommended that you seek coverage that goes beyond the minimum amount so that the majority of your expenses will be covered following an accident.

Contact Us Today

Many Dunmore drivers find it confusing to navigate through the intricacies of no-fault coverage. It can be difficult to determine whether you are better off choosing no fault coverage or sticking with regular liability coverage. An independent agent can help you determine which type of policy is the best fit for you. Contact us today to speak to an independent agent who can help you receive the right amount of coverage for your car .