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Generally, you will be covered by their auto insurance policy even if you are not listed as a regular driver on the vehicle. This is called ?permissive use:? the vehicle owner and the auto insurer are permitting you to drive the vehicle temporarily, so insurance coverage extends to you while using that vehicle.
You cannot register a car without insurance in Pennsylvania, as proof of insurance is required at the time of registration. You are required to have $15,000 in bodily injury liability coverage, up to $30,000 per accident, along with $5,000 in liability coverage for property damage.
If your motor vehicle is not insured with liability insurance, you could face the following penalties and expenses: A minimum of $300 fine for driving uninsured. A three-month suspension of your vehicle registration. A three-month suspension of your driver's license.
Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in a crash.
If you fail to list a driver on your policy and they are responsible for an accident, your insurance provider might deny your claim. Insurance companies obtain reports listing potentially undisclosed drivers, including newly licensed drivers and additional drivers.