Insurance Requirements PennsylvaniaWhen operating a motor vehicle it is almost always a good idea to have automobile insurance. In the state of Pennsylvania, however, it is required. Like many other states, residents must purchase a certain level of protection in place in order to traverse the open road, and not doing so can result in some fairly serious penalties. Drivers may find themselves with a minimum fine of 0, a three-month suspension of their driver's license and vehicle registration, plus additional restoration fees. Furthermore, they could have their car impounded.It is important that motorists understand the requirements of the PA auto insurance laws in order to become properly covered. Drivers must have policies consisting of medical benefits of at least ,000 to cover any possibly injuries sustained from an accident that affect the driver or anyone else who may be on their policy, regardless of who was at fault. Car owners must also have Bodily Injury Liability (BIL) which covers a minimum of ,000 for medical expenses for anyone the policyholder may hurt in an accident, and ,000 to represent the total amount available for a single accident. Additionally, they are required to carry property damage liability (PDL) of at least ,000. For convenience purposes, some companies offer a single limit of ,000 to meet both the BIL and PDL requirements.When choosing coverage, drivers have the option of choosing either Limited or Full Tort coverage. The difference between each of these is that limited tort coverage comes with lower premiums, saving the motorist money, yet they will not be able to recover certain damages in the event of an accident, such as payment for pain and suffering, unless certain requirements are first met. Someone with full tort coverage, however, retain the right to sue any negligent party and collect and damages they may win. Before choosing between these two options its advisable to first go through and consider the differences and weigh the benefits of having lower premiums versus retaining the ability to file a lawsuit against a negligent party.