Subchapter B. EVIDENCE OF FINANCIAL RESPONSIBILITY
Sec.
67.21. Purpose.
67.22. Definitions.
67.23. I.D. cards.
67.24. Form and content of I.D. cards.
67.25. Instructions accompanying I.D. cards.
67.26. I.D. cards issued to fleets, dealers, transporters; and temporary registrations.
67.27. Binder.
67.28. Other evidence of financial responsibility.
Cross References This subchapter cited in 67 Pa. Code § 43.5 (relating to issuance of temporary registration cards); 67 Pa. Code § 179.7 (relating to indemnification, insurance and security); 67 Pa. Code § 219.6 (relating to acceptable proof of financial responsibility); and 67 Pa. Code § 223.6 (relating to self-insurance identification card).
§ 67.21. Purpose.
The purpose of this subchapter is to ensure that persons will be able to demonstrate satisfaction of the financial responsibility requirements of the act.
§ 67.22. Definitions.
The following words and terms, when used in this subchapter, have the following meanings, unless the context clearly indicates otherwise:
Act—75 Pa.C.S. § § 1701—1798 (relating to the Motor Vehicle Financial Responsibility Law).
Department—The Insurance Department of the Commonwealth.
I.D. Card—An insurance identification card prescribed by this chapter.
Insurer—An insurance company, association or exchange providing coverage on motor vehicles under the act.
NAIC company code number—The unique number which is assigned by the National Association of Insurance Commissioners Central Office to identify that insurer.
Policy—An insurance policy which provides coverage to satisfy the financial responsibility requirements of the act.
Self-insurance certificate number—An identification number assigned by the Department of Transportation to a self-insurer.
Self-insurer—A person or entity designated as an approved self-insurer by the Department of Transportation as set forth in 67 Pa. Code § 223.5 (relating to certificate).
Vehicle—A motor vehicle of a kind required to be registered under 75 Pa.C.S. (relating to the Vehicle Code).§ 67.23. I.D. cards.
(a) Insurers. On or after October 1, 1984, at the inception or renewal of a policy, the insurer shall issue to each named insured one I. D. card as specified in this subchapter for each vehicle which it insures. Upon the addition or substitution of a vehicle covered in the policy, the insurer shall issue an I. D. card for that vehicle. Replacement of I. D. cards for the purpose of change of address shall be optional at the discretion of the insurer.
(b) Self-insurers. On or after October 1, 1984, the self-insurer shall issue an I. D. card as specified in this subchapter for each vehicle for which satisfaction of the requirements of the act is accomplished through self-insurance. Upon the addition or substitution of a vehicle, the self-insurer shall issue an I. D. card for that vehicle. Replacement of I. D. cards for the purpose of change of address shall be optional at the discretion of the self-insurer.
(c) Evidence. The I. D. cards shall serve as evidence of financial responsibility.
§ 67.24. Form and content of I. D. cards.
(a) Form of financial responsibility cards. The insurer and self-insurer may in their discretion choose to satisfy the requirements of this subchapter by continuing to use the existing no-fault identification card until January 1, 1985. After January 1, 1985, the insurer and self-insurer shall use a new card containing information required in this section or another card as may be approved by the Department.
(b) Contents. Each I. D. card shall contain the following information on the front of the card:
(1) Title of card, ‘‘Financial Responsibility Identification Card’’.
(2) NAIC company code number of the insurer or self-insurance certificate number.
(3) Name of the insurer or self-insurer.
(4) Name and address of the named insured or motor vehicle registrant where the vehicle is self-insured.
(5) Description of vehicle: year, make, and vehicle identification number (VIN). The model of the vehicle may be used as the make. All digits of the vehicle identification number shall appear on the I. D. card.
(6) Policy number where applicable.
(7) Effective date: month, day, and year of the policy must be shown.
(8) The following inscription below the effective date: NOT VALID MORE THAN 1 YEAR FROM EFFECTIVE DATE.
(c) Statement. Each I. D. card shall contain the following statement on the back of the card:
This card must be carried for production upon demand. It is suggested that you carry this card in the insured vehicle.
WARNING: Any owner or registrant of a motor vehicle who drives or permits a motor vehicle to be driven in this State without the required financial responsibility may have his registration suspended or revoked.
NOTE: THIS CARD IS REQUIRED WHEN:
(1) You are involved in an auto accident.
(2) Your are convicted of a traffic offense other than a parking offense that requires a court appearance.
(3) You are stopped for violating any provision of 75 Pa.C.S (relating to the Vehicle Code) and requested to produce it by a police officer.
You must provide a copy of this card to the Department of Transportation when you request restoration of your operating privilege and/or registration privilege which has been previously suspended or revoked.
Cross References This section cited in 31 Pa. Code § 67.27 (relating to binder).
§ 67.25. Instructions accompanying I. D. cards.
At the time the insurer issues an I. D. card to a policyholder, it shall also issue a statement explaining I. D. card requirements, including display to law enforcement officers, use for registering vehicles, and action that must be taken in the event a card is lost or a card is in error. The following language will be acceptable to the Department in satisfaction of this requirement:
IMPORTANT NOTICE Regarding your Financial Responsibility Insurance Identification Card.
The
Insurance Company is required by Pennsylvania law to send you an I. D. card. The card shows that an insurance policy has been issued for the vehicle(s) described satisfying the financial responsibility requirements of the law.If you lose the card, contact your insurance company or agent for a replacement.
The I. D. card information may be used for vehicle registration and replacing license plates. If your liability insurance policy is not in effect, the I. D. card is no longer valid.
You are required to maintain financial responsibility on your vehicle. It is against Pennsylvania law to use the I. D. card fraudulently such as using the card as proof of financial responsibility after the insurance policy is terminated.
§ 67.26. I. D. cards issued to fleets, dealers, transporters; and temporary registrations.
(a) When a policyholder or self-insurer has five or more vehicles registered in this Commonwealth, the insurer or self-insurer may use the statement ‘‘all owned vehicles’’ or ‘‘all owned and leased vehicles’’ instead of a specific vehicle description on each I. D. card. However, each vehicle must have an I. D. card for it.
(b) An I. D. card issued to a dealer may show either ‘‘garage liability hazard number 1 policy’’ or ‘‘all owned and nonowned vehicles—comprehensive auto liability policy’’ instead of a specific vehicle description. One I. D. card must be issued for each set of dealer plates assigned to the dealer and insured under such a policy. An I. D. card issued to a dealer cannot be used to register a specific vehicle. An I. D. card must be placed in each vehicle while it is being driven under the dealer’s policy with the dealer’s plate.
§ 67.27. Binder.
(a) Prior to receiving an I. D. card from an insurer, a copy of a valid binder which contains the information required in § 67.24(b)(1)—(7) (relating to form and content of I. D. cards) excluding the policy number can be used as evidence of financial responsibility.
(b) Prior to receiving an I. D. card from an assigned company of the Pennsylvania Automobile Insurance Plan (Plan), a copy of an application to the Plan can be used in place of an I. D. card, if the application contains the information required in § 67.24(b)(1)—(7) excluding the policy number and is signed by a licensed insurance agent or broker.
§ 67.28. Other evidence of financial responsibility.
Where the I. D. card is not held sufficient by the court, the Department of Transportation or other law enforcement agency to demonstrate financial responsibility, an insurer shall provide in writing other evidence that the policyholder is financially responsible.
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