Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.

In Pennsylvania (PA), drivers are legally required to carry car insurance. The state mandates minimum amounts of coverage that include bodily injury liability and property damage liability. Specifically, Pennsylvania requires drivers to have bodily injury liability coverage of at least $15,000 per person and $30,000 per accident, and property damage liability coverage of at least $5,000. Additionally, Pennsylvania law requires drivers to carry $5,000 in medical benefits coverage. Drivers must provide proof of this insurance when stopped by a police officer for a traffic violation or when involved in an accident. Failure to provide proof of insurance can result in a citation. Furthermore, proof of insurance is necessary to register a vehicle in Pennsylvania, and driving an unregistered vehicle can lead to additional penalties.