Dugan & Associates, P.C.
No Recovery - No Fee Free Consultation
Serving all of Western Pennsylvania
Local: 412-353-3572 Toll Free: 888-9-9-D-U-G-A-N Toll Free: 888-9-9-D-U-G-A-N

The High Price Of (No) Auto Insurance


In Pennsylvania, 1.1 million people are simply unable to afford the automobile insurance that is mandated by the state. A recent report from the Treasury Department looked at ZIP codes around the country and found hundreds of areas where low-income and minority populations face auto insurance premiums that are generally beyond their means. This includes 35 ZIP codes in Pennsylvania.

Pennsylvania requires a certain amount of auto insurance by law: 

  • Minimum of $5,000 in medical benefits for yourself or covered individuals regardless of fault.
  • Minimum bodily injury liability coverage of $15,000 for a single person or $30,000 for all injuries from a single accident.
  • Minimum of $5000 in property damage liability.

Other forms of automobile insurance may be available but are not required by state law. 

  • Collision insurance covers any time your vehicle hits an object or another vehicle. 
  • Comprehensive insurance covers things like fire, theft, vandalism and natural disasters. 
  • Uninsured and uninsured motorist insurance protects you if you get into an auto accident with someone who doesn't have their own insurance.

So, what can happen if you are found to be driving without insurance? If you are stopped by the police and they determine that you are driving without auto insurance, you can face a number of penalties:

  • A minimum fine of $300.
  • A three-month suspension of your vehicle's registration, your driver's license, or both.
  • Fees to restore your license or registration.

Of course, if you get into an auto accident and don't have insurance, your costs could be much higher. According to the CDC, in 2012, the average emergency room visit following a car accident cost $3,300, while the average hospitalization cost $57,000 over the patient's lifetime. About 75% of those costs were incurred in the first 18 months following the accident.

If you are injured in an auto accident, you should consult with an attorney to see what options you can pursue for compensation. At Dugan & Associates, we have the experience to help you with your auto accident injury case. If you have questions, contact us for a free consultation.

No Comments

Leave a comment
Comment Information

Pittsburgh Office
4 West Manilla Avenue
Pittsburgh, PA 15220

Phone: 412-353-3572
Phone: 412-922-0800
Fax: 412-922-0801
Pittsburgh Law Office Map

Beaver County Office
2002 McMinn St.
Aliquippa, PA 15001

Phone: 412-353-3572
Phone: 724-775-7372
Aliquippa Law Office Map

North Hills
6400 Brooktree Ct.
Wexford, PA 15090

Phone: 412-353-3572
Phone: 724-933-0133
Wexford Law Office Map

Butler County
125 Warrendale-Bayle Rd
Warrendale, PA 15086

Phone: 412-353-3572
Phone: 724-283-7063
Map & Directions

400 Penn Center Blvd.
Suite 101
Monroeville, PA 15232

Phone: 412-353-3572
Phone: 412-261-1129
Map & Directions

Westmoreland County
101 N. Main St.
Suite 104 - A
Greensburg, PA 15601

Phone: 412-353-3572
Phone: 724-836-7454
Greensburg Law Office Map

Washington County
2400 Ansys Dr.
Canonsburg, PA 15317

Phone: 412-353-3572
Phone: 724-743-0463
Canonsburg Law Office Map

Serving all of Western Pennsylvania Free Consultation

The High Price Of (No) Auto Insurance | Dugan & Associates, P.C. a