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Pennsylvania: rules and deadlines at a glance
Every 11 topic we track for Pennsylvania on one page. Open a topic for the details, the law it comes from and how Pennsylvania compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 2 years |
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| Property damage | 2 years |
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| Minimum liability | $15,000 / $30,000 / $5,000 |
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| Fault system | Choice no-fault (you pick limited or full right to sue) |
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| Shared-fault rule | Modified comparative: barred at 51% fault or more |
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| Acknowledge | 10 working days (unless paid sooner) |
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| Accept or deny | 15 working days after proof of loss |
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| Pay | Not set by rule |
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| Dollar limit | $12,000 |
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| Filing fee | $68.50 to $171 plus county charges |
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| Lawyers | Optional |
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| Total loss rule | Total loss formula |
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| Rule | Strict liability |
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| Details | Strict liability for medical costs; more requires proof of fault |
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| Rule | Modified comparative negligence (51% bar) |
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| When you are barred | Barred if you are 51% or more at fault |
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| Report required if | Death, injury, or a vehicle that must be towed |
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| Deadline | 5 days |
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| Handheld ban | Yes, all drivers (from June 2025) |
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| Texting ban | Yes, primary |
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| Law type | Partial |
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| Who must wear one | Riders under 21 or licensed under 2 years, unless they complete an approved course |
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| Drivers uninsured | 11.0% |
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| UM/UIM coverage | Not required (insurers must offer it) |
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