Pennsylvania is one of six American states that do not require its citizens to file an SR-22 form. What this means is that Pennsylvania does not require any additional certification showing proof of financial responsibility beyond the standard auto insurance policies.
While the SR-22 is not required in Pennsylvania, the law requires every vehicle within the state to be insured, whether or not it is owned. This law is to ensure that whenever an accident occurs, whichever party is at fault is well covered to pay the relevant damages. Such a system ensures that before a driver is allowed to get behind the wheel, he or she must have made provisions to ensure the security of other drivers and pedestrians with their insurance policies.
Furthermore, Pennsylvania is a no fault state; no-fault being the designated term used in describing states where the law instructs that rather than waiting until fault has been legally proven in cases of accidents, insurance companies should begin paying immediately after such incidents. Hence, in no-fault states, insurance companies pay for the injuries of their clients rather than waiting to prove fault first. The money paid is called ‘PersonalInjuryProtection’ or PIP.
Whatever insurance policy purchased in Pennsylvania must meet the following requirements:
The insurance requirements of the state are governed by the Pennsylvania Insurance Department and a failure to comply with the compulsory auto insurance requirements would result in a suspension or revocation of driving privileges.
Due to the fact that there’s no SR-22 requirement in the state of Pennsylvania, there are no costs to be accrued. Rather, the state of Pennsylvania requires everyone with access to a car that they drive to have adequate insurance. What this means is that anyone who owns, rents or leases a vehicle in Pennsylvania must have an auto insurance policy. The policy held must provide first party benefits, bodily injury coverage as well as property damage coverage. It must contain medical benefits coverage of not less than $5,000.
When determine insurance rates for people, insurance companies tend to take into consideration certain factors such as marital status, level of education, driving record, credit score, occupation, age, type of vehicle and so on. All of these factors are used to determine the cost of premiums and policy. The same holds in Pennsylvania too.
The state of Pennsylvania, as noted by its Department of Motor Vehicles, has three DUI levels depending on the extent of your BAC. The level of offense would determine the severity of your charge and, consequently, your penalty.
A first offender can be slapped with up to 6 months of probation, a $300 fine, mandatory alcohol addiction treatment and a required alcohol highway safety school attendance. The higher the BAC and the more serious the offense, the higher the likelihood that an individual can be required to install an Ignition Interlock Device to reinstate their driving privileges.
If you do not have a car in Pennsylvania, you still would be required to buy an auto insurance policy before you get behind the wheel of any car. This policy must meet the set requirements of the state to be valid. The same would apply if you have no license or your license has been suspended. The bottom line is that it is illegal for anyone to drive in Pennsylvania without a license.
The fact that Pennsylvania doesn’t require an SR-22 filing doesn’t mean you wouldn’t need one if you were to move to another state that requires it. If you have committed an offense that requires an SR-22 filing in other states within Pennsylvania but need to move, you’d be required to file the SR-22 in your new state to maintain your license. It would also be best to adjust your insurance policy to meet the requirements of the local DMV of the new state.
However, if you are moving into Pennsylvania from out of state, you are not required to file an SR-22 within the state but you have to maintain the one you filed out of state. You must also ensure that your insurance policy meets the Pennsylvania Insurance Department requirements.
There is no SR-22 requirement in Pennsylvania and as such, there is no mandate or period of maintenance. Within Pennsylvania, all you need is a valid auto insurance policy to drive. This policy must be renewed for as long as you continue traveling the streets of Pennsylvania.
What to do if the SR-22 lapses
There is no need for an SR-22 form in Pennsylvania. If your insurance coverage within the state lapses or isn’t renewed on time, it is advised that you not get behind a wheel as that would be illegal.