Pennsylvania Consolidated Statutes

75 Pa. Cons. Stat. § 1782 (2026)

Manner of providing proof of financial responsibility.

✓ current as of May 2026

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§ 1782. Manner of providing proof of financial responsibility.

(a) General rule.--Proof of financial responsibility may be furnished by filing evidence satisfactory to the department that all motor vehicles registered in a person's name are covered by motor vehicle liability insurance or by a program of self-insurance as provided by section 1787 (relating to self-insurance) or other reliable financial arrangements, deposits, resources or commitments acceptable to the department.

(b) Nonresident.--The nonresident owner of a motor vehicle not registered in this Commonwealth may give proof of financial responsibility by filing with the department a written certificate or certificates of an insurance company authorized to transact business in the state in which the motor vehicle or motor vehicles described in the certificate are registered or, if the nonresident does not own a motor vehicle, then evidence satisfactory to the department that the person does not own a motor vehicle. The department shall accept the certificate upon condition that the insurance company complies with the following provisions with respect to the policies so certified:

(1) The insurance company shall execute a power of attorney authorizing the department to accept service on its behalf or process in any action arising out of a motor vehicle accident in this Commonwealth.

(2) The insurance company shall agree in writing that the policies shall be deemed to conform with the laws of this Commonwealth relating to the terms of motor vehicle liability policies issued in this Commonwealth.

(c) Default by foreign insurance company.--If any insurance company not authorized to transact business in this Commonwealth, which has qualified to furnish proof of financial responsibility, defaults in any undertakings or agreements, the department shall not thereafter accept as proof any certificate of the company whether theretofore filed or thereafter tendered as proof as long as the default continues.

(d) Financial responsibility identification cards.--Insurers shall provide financial responsibility identification cards to insureds which shall be valid only for the period for which coverage has been paid by the insured. If the insured and insurer both agree, the insurer may issue the financial responsibility identification card solely in electronic format. Financial responsibility identification cards shall disclose the period for which coverage has been paid by the insured and shall contain such other information as required by the Insurance Department. In such instance where the insured has financed premiums through a premium finance company or where the insured is on an insurer-sponsored or agency-sponsored payment plan, financial responsibility identification cards may be issued for periods of six months even though such payment by the insured may be for a period of less than six months. Nothing in this subsection shall be construed to require the immediate issuance of financial responsibility identification cards where an insured replaces an insured vehicle, adds a vehicle or increases coverages under an existing policy for which a premium adjustment is required.

(e) Immunity.--If an insured chooses to provide proof of financial responsibility to be viewed in an electronic format on an electronic device pursuant to section 1786 (relating to required financial responsibility), a police officer administering in good faith this subchapter shall be immune from any civil or criminal liability which arises from the insured's choice, including the inadvertent viewing of materials on the device other than the proof of financial responsibility, inadvertent deletion of information from the device, inadvertent interception of a communication while in possession of the device and breakage which occurs to the device.

(Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984; Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990; Dec. 23, 2013, P.L.1266, No.132, eff. 60 days)

2013 Amendment. Act 132 amended subsec. (d) and added subsec. (e).

1984 Amendment. Act 12 amended subsec. (a).

Notes of Decisions

Cited in 11 cases, 1987–2005 · leading case: Hackenberg v. Se. Pennsylvania Transp. Auth., 586 A.2d 879 (Pa. 1991).

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Hackenberg v. Se. Pennsylvania Transp. Auth., 586 A.2d 879 (Pa. 1991). · cites it 2× “§ 1786, and that such responsibility can be established either through the purchase of insurance coverage or by certification of self-insurance, 75 Pa.C.S. § 1782(a). If a registrant wishes to be self-insured, it must file with the Department of Transportation evidence of…”

Swords v. Harleysville Ins. Companies, 883 A.2d 562 (Pa. 2005). “75 Pa.C.S. § 1782 (emphasis added). Section 1782 makes clear that the Legislature intended to require an owner of a registered vehicle to insure his or her vehicle in a manner acceptable to the Department of Transportation in order to prove the owner’s financial responsibility.”

Pennsylvania Fin. Responsibility Assigned Claims Plan v. English, 664 A.2d 84 (Pa. 1995). “, those who have provided certification that they have other reliable financial arrangements, deposits, resources or commitments acceptable to the Department of Transportation and who are thus exempt from purchasing the requisite insurance through a standard policy in order to…”

Pennsylvania Med. Soc'y v. Foster, 608 A.2d 633 (Pa. Commw. Ct. 1992). · cites it 2× “Section 1782 of the Law, 75 Pa.C.S. § 1782. The purpose of Act 6 is to regulate automobile insurance in Pennsylvania in a manner that makes affordable automobile insurance available, and we have held that this is a valid state objective.”

Se. Pennsylvania Transp. Auth. v. Holmes, 835 A.2d 851 (Pa. Commw. Ct. 2003). “75 Pa.C.S. § 1782(a). SEPTA chooses to demonstrate its financial responsibility by a “program of self-insurance.”

Koken v. Legion Ins., 831 A.2d 1196 (Pa. Commw. Ct. 2003). “, 75 Pa.C.S. §§ 1782, 1786. 50 . To be effective, Rural/Metro asserts that the agreement requires court approval and an order releasing TRC from potential double liability pursuant to Section 534 of Article V, 40 P.”

Boone v. Stonewall Ins., 554 A.2d 968 (Pa. 1989). “— The nonresident owner of a motor vehicle not registered in this Commonwealth may give proof of financial responsibility by filing with the department [of transportation] a written certificate or certificates of an insurance company authorized to transact business in the state…”

Metro. Prop. & Liab. Ins. v. Ins. Comm'r, 535 A.2d 588 (Pa. 1987). “” See 75 Pa.C.S. § 1782. Act of Feb. 12, 1984, P.”

Jenkins v. City of Philadelphia, 621 A.2d 689 (Pa. Super. Ct. 1993). “§ 1786, and that such responsibility can be established either through the purchase of insurance coverage or by certification of self-insurance cov *591 erage or by certification of self-insurance, 75 Pa.C.S. § 1782(a). If a registrant wishes to be self-insured, it must file…”

Metro. Prop. & Liab. v. Insur. Com'r, 535 A.2d 588 (Pa. 1988). “" See 75 Pa.C.S. § 1782. Act of Feb. 12, 1984, P.”

In re Wylie, 4 Pa. D. & C.4th 664 (1990). “” 75 Pa.C.S. §1782. The intent of the legislature is clear that financial responsibility is required on all registered vehicles.”

— 75 Pa. Cons. Stat. § 1782(a) — 3 cases

Hackenberg v. Se. Pennsylvania Transp. Auth., 586 A.2d 879 (Pa. 1991). “§ 1786, and that such responsibility can be established either through the purchase of insurance coverage or by certification of self-insurance, 75 Pa.C.S. § 1782(a). If a registrant wishes to be self-insured, it must file with the Department of Transportation evidence of…”

Se. Pennsylvania Transp. Auth. v. Holmes, 835 A.2d 851 (Pa. Commw. Ct. 2003). “75 Pa.C.S. § 1782(a). SEPTA chooses to demonstrate its financial responsibility by a “program of self-insurance.”

— 75 Pa. Cons. Stat. § 1782(b) — 1 case

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