Drivers in Fullerton, PA must adhere to the Pennsylvania’s state laws regarding auto insurance. Just as state laws require drivers to stop at stop signs, it also requires them requires them to maintain minimum levels of auto insurance. Below is a breakdown of who is required to maintain auto insurance in the State of Pennsylvania.

Drivers on Public Roads

Any drivers who take their vehicles on public roads are required to have auto insurance. The specific levels of insurance vary according to one’s license and the type of vehicle. For example, commercial vehicles are held to different standards than personal vehicles. For this reason, it is best to review insurance policies with an agent who is licensed to sell insurance in Pennsylvania. They will be familiar with the applicable laws.

Drivers on Private Roads

Vehicles that are only driven on private roads are not required to be insured, although it may still be wise to insure them. However, if a vehicle is ever driven on a public road, even if only for a tenth of a mile, they are required to be insured.

Passengers without Cars

Passengers do not need auto insurance, as long as they will not be driving a vehicle. In the event of an accident, the driver’s auto insurance should cover any medical expenses. If their coverage does not cover all of a passenger’s bills, then their own health insurance will provide additional coverage. This is why children, who are too young to drive, do not need to have an auto insurance policy.

Make Sure You Meet State Minimums

If you ever drive on public roads, make sure your insurance meets Pennsylvania’s state minimums. Contact one of our agents, and they will be happy to go over your current car insurance policy.