If you don’t want to buy a traditional personal auto insurance policy, you can go the self-insurance route. However, it’ll cost you …
- First vehicle: $50,000
- Each additional vehicle: $10,000
- Maximum: $1 million (95 cars total)
Car Inspection Requirements
If you’re a PA driver, you’ll need to get your car inspected annually for safety and emissions at official PennDOT (Pennsylvania Department of Transportation) stations, which are either repair garages or service stations with repair shops. The stations will determine the inspection fees, which don’t include any defect repairs.
Find a safety inspection station near you at https://www.dot.state.pa.us/public/dvspubsforms/BMV/BMV%20Publications/New%20Safety%20Station.pdf, or find an emissions testing station below.
|Link to emissions testing stations
|Counties with stations
||Allegheny, Beaver, Washington, Westmoreland
||Bucks, Chester, Delaware, Montgomery, Philadelphia
||Berks, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Northampton, York
||Blair, Cambria, Centre, Erie, Lackawanna, Luzeme, Lycoming, Mercer
||Adams, Armstrong, Bedford, Bradford, Butler, Carbon, Clearfield, Clinton, Columbia, Crawford, Fayette, Franklin, Greene, Huntingdon, Indiana, Juniata, Lawrence, McKean, Mifflin, Monroe,
Montour, Northumberland, Perry, Pike, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Wayne, Wyoming6
For cars you just purchased, you have to get an inspection within 10 days of the sale.
Some states require people with DUIs to obtain SR-22s, forms that prove minimum insurance. Pennsylvania is not one of them.
Taking a defensive driving class could get you a discount on auto insurance. If you’re under 55, check your city’s website for a list of classes. For older adult drivers, find options at https://www.dmv.pa.gov/Driver-Services/Mature-Drivers/Pages/Mature-Driver-Improvement-Course.aspx.
Thresholds for Civil Suits
While there’s no monetary threshold for civil suits in Pennsylvania, you can only file them if you incurred a serious injury from a car accident. The Pennsylvania Legislature defines a serious injury as “a personal injury resulting in death, serious impairment of body function, or permanent serious disfigurement.”
Accident Reporting Requirements
If you get into a car accident that results in death, injury, or the disablement of a vehicle, you need to file a police report within five days. Otherwise, the state could suspend your driving privileges.
Pricing Discrimination Laws
While Pennsylvania auto insurance companies can take credit scores into account when determining prices, they are barred from taking sex or gender into account. So, while people with bad credit will have higher car insurance rates than people with good credit, gender won’t affect car insurance rates. That’s good news for men, who have higher crash rates and thus are more likely than women to file claims.
Threshold for Total Loss
Insurers in Pennsylvania use the total loss formula to determine if a car is worth repairing or not. If a car’s repairs cost more than its salvage value, the car is declared a total loss. Rather than using your insurance to pay for your car’s repairs, you would get a new car.