What are my auto insurance requirements in Pennsylvania?

When you are in the Emmaus, PA area, you will want to know that you have a reliable way to get around the community. For many people, this can mean owning a car. If you are going to buy a car when you are in this area, you also need to make sure you get the right insurance. For those here, there are various requirements to consider when looking for coverage. 

Minimum State Liability Requirements

As you seek insurance in this state, you must consider the state minimum liability requirements. Like other states, Pennsylvania requires all car drivers to have certain levels of liability coverage. This includes having bodily injury coverage of $15,000 per person and $30,000 per incident, personal property coverage of $5,000, and uninsured motorist coverage of $30,000 per accident. If you do not have this coverage, you could be penalized if caught driving without it.

Auto Loan Provider Requirements

With the price of vehicles continuing to rise over the years, it is widespread for car owners to carry an auto loan. If you have taken out a loan when buying a car, you need to meet the insurance requirements set by your lender. Usually, a lender will require you to have a full comprehensive and collision plan. This is helpful coverage as it will ensure you have coverage for damage or theft.

Anyone in the Emmaus, PA area will want to know they have proper insurance. When you are looking for coverage, you can call our team with Patrick McNealis Insurance and Financial Group to discuss your needs. When you call our team with Patrick McNealis Insurance and Financial Group, you can get all the guidance necessary to build a new policy.