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Are you trying to save money by dropping your car insurance? Consider this



With the cost of almost everything going up, you may be looking at ways to trim your budget. One thing you definitely do not want to remove is your car insurance. Even if you have an old car or truck that is just standing around, if the vehicle is registered with the state, it must have the right insurance coverage. It’s not only a good idea, but it’s also the law of Pennsylvania and Maryland and it applies to both personal car insurance and commercial car insurance. Both states require residents to have a minimum amount of personal car insurance, although the types of coverage and amounts required differ for each state.

Recently we had this conversation with more than one customer:
Customer: I want to cancel my car insurance.
Keller-Brown: Okay, may I ask why?
Customer: I no longer use the vehicle.
Keller-Brown: As long as the vehicle has a label and is registered, you must by law have insurance. Do you have the tag left?
Customer: Yes, but I want to cancel the insurance. The vehicle is just sitting here.
Keller-Brown: There are quite severe fines and penalties in both Pennsylvania and Maryland if you drop the insurance on a vehicle that is still registered.

Do not just take our word for it. Here are the state’s auto insurance laws for Pennsylvania and Maryland.

Pennsylvania’s requirements for car insurance

Pennsylvania law says: All motor vehicles subject to registration, such as cars, vans, motorcycles, recreational vehicles, trucks and buses, must have liability insurance. You comply with the law if you have liability insurance for the following amounts: $ 15,000 for injury or death of a person in an accident, $ 30,000 for injury or death of more than one person in an accident and $ 5,000 for damage to property of another person. It is important to note that Pennsylvania’s First Party Benefits (FPB) are not given to the person listed in the title of any car accident if that person does not have the required state insurance on a vehicle. Section 1714 of the Pennsylvania Motor Vehicle Code states: “An owner of a currently registered motor vehicle who has no financial responsibility [required insurance] or an operator or passenger of a recreational vehicle not intended for motorway, motorcycle, motorbike, motorized pedaling or similar vehicle required to be registered under this Title may not receive benefits from the first party. “

More to think about: In Pennsylvania, a Termination of insurance coverage results in your vehicle registration privilege being suspended for three months, unless the termination of insurance was for a period of less than 31 days and the owner or registrant proves to PennDOT that the vehicle was not used during this short reporting period. The registration plate and card must be handed over to PennDOT in order to complete the suspension. Restoration fees and insurance certificates must be submitted before you can have your registration restored. Instead of serving a registration suspension, you have the option of paying a civil penalty. The voluntary penalty is $ 500. In addition, you have to pay a registration fee.

Maryland’s car insurance claims

According to Maryland law: All Maryland vehicles must always be insured by a Maryland licensed auto insurance company. Your vehicle insurance must cover at least: $ 30,000 for personal injury, $ 60,000 for two or more people and $ 15,000 for property damage.

Marylands Motor Vehicle Administration has some hefty fines for uninsured vehicles: You can lose license plates and vehicle registration privileges and pay penalties for uninsured drivers for each termination of insurance – $ 150 for the first 30 days, $ 7 for each day thereafter. You may also be prohibited from registering future vehicles or renewing a temporary registration. Fines of up to $ 1,000 and / or one year in prison for providing false proof of insurance are also possible.

We can help you reduce your car insurance costs

It may seem like an unnecessary expense to pay for insurance on a vehicle that is just standing, but having the statutory insurance coverage will save you from hefty fines from the state. You will also have peace of mind knowing if and when you need to drive that car or truck, it is ready to roll with the right insurance coverage. And it could save you from financial disaster if your vehicle were involved in an accident.

At Keller-Brown, we will never try to force you to have insurance you do not need. Instead, we work closely with you to determine what coverage you need and what discounts you may be eligible for. Did you know, for example, that there are discounts on car insurance if you have completed a course in driver safety? Or you may be eligible to save money by combining your car insurance with yours home insurance.

Do you have questions about car insurance?

Contact an insurance agent at Keller-Brown Insurance Services today to answer any questions about car insurance or for a free review and insurance quote. As an independent insurance agency serving Pennsylvania and Maryland, we represent several top-ranked insurance companies. We have the flexibility to find the right coverage for you at competitive premiums for cars, homes, companies and more.

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