One of the places in the United States where car insurance is a pre-requisite is the state of Philadelphia. If you are caught driving without car insurance, the penalty will be a whopping $300, and your license may get revoked for three months.
Just like several other states, Philadelphia uses the 15/30/5 rule where the car insurance company should allot $15,000 for bodily injury for a person, $30,000 for total bodily injury liability, and $5,000 property injury. This way, there is correct allocation in the car insurance depending on future needs.
On top of this, there should be a $5,000 allotment to finance medical expenses. This will cover the passengers of your car in a time of unforeseen events like accidents regardless of who is at fault during the said incident.
Driving laws in Philadelphia
Since Philadelphia is a separate state, it also has its own driving laws which they strictly implement among their citizens.
One of the driving laws that this state has is distracted driving. This means a driver is prohibited from using his or her mobile phone to send or read messages from anyone. Once caught, the penalty will be $50 and the filing of charges at a court.
This law, which is now commonly referred to as Daniel’s Law is named after motorcyclist Daniel Gallatin, who perished in 2016 due to using his mobile phone as he drives his way to his destination. Do not fret, though, since this law does not cover the use of GPS for navigation and travel purposes.
In addition to this law, if caught driving in Philadelphia drunk will change your life as a motorist for many years. The penalty for this is by far high as it sits at $5000 and 18 months suspension depending on the gravity of the offense. There can also be jail time if the infraction is done for several times after getting caught for the first time.