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Pennsylvania Insurance Laws and Regulations

The Pennsylvania Insurance Department develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of Pennsylvania does not share complaint information about insurance companies for consumers to use in selecting their insurer.

Important Laws

A summary of the driving safety laws for the state of Pennsylvania can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Pennsylvania.

The Pennsylvania Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in PA allows deductibles to increase from a fixed amount to a percentage amount when a hurricane, tropical storm or named storm occurs. These deductibles usually range from 1% to 5% of the insured amount.

Pennsylvania has minimum auto insurance amounts that are required by law. The table below shows the PA minimum car insurance limits.

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.