When you have to move to a new state, it’s a big deal. There are many things that you have to take care of, and they aren’t necessarily things that can be done simply in a day. Of course, there are the obvious things, like moving your furniture and other personal belongings, but you also need to transfer your phone line, forward your mail, and change your auto insurance. Moving to Pennsylvania, for example, will result in you needing to change your existing policy to a Pennsylvania car insurance policy, which could be confusing if you have never lived in a Tort state before.

In a Tort state, when there is an accident, at least one person must be found “at-fault” before damages are assessed and checks are written. While your insurance will see to it that your damages are taken care of, it will not affect you or your pocketbook if you are not at fault. If you moved from a “no-fault” state, then, your Pa car insurance policy could be foreign to you because you would be used to a state where all parties involved in an accident are responsible for taking care of their own damages.

Every state has their own requirement for insurance. There is always a minimum amount of coverage that you must have if you want to operate your vehicle legally in that state. The minimum for a Pennsylvania car insurance policy requires that you have:

$15,000 in Bodily Injury Liability
$5,000 in Property Damage Liability
$5,000 in First Party Benefits

In the state of Pennsylvania, this is the minimum amount of coverage that you have to have if you want to avoid any legal problems. If you do not have them, for example, you could get a ticket for not having insurance (or having inadequate insurance), which you would then have to pay if you want to be able to drive again. Of course, if you get into an accident and you do not have enough insurance you will have to pay out of your own pocket for any damages for which you might be responsible.

Liability insurance is the basic form of insurance coverage that every state requires for all drivers. Basically, liability is the formal name for “just in case something happens.” If you are “responsible” for causing an accident, then you are “liable” to pay damages. This is one thing that makes your Pa Car Insurance Policy similar to policies of other states.

If you are moving to Pennsylvania, you can get started on finding your Pennsylvania Car Insurance Policy early by contacting your current insurance company and informing them of your move. An experienced agent will then be able to let you know what you can expect from the changes to your policy. If you want to find a better deal, though, you can try talking to garage mechanics and investigate online postings. Consumer reports can tell you which companies have the happiest customers and garage mechanics can tell you which ones they prefer working with.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
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