§ 219.6. Acceptable proof of financial responsibility.
(a) I.D. card. For the purposes of this chapter, the I.D. card in 31 Pa. Code Chapter 67, Subchapter B (relating to evidence of financial responsibility) shall be considered evidence that the motor vehicle was covered by a policy of motor vehicle liability insurance or was self-insured.
(b) Other documents. A person who is unable to produce and exhibit an I.D. card as prescribed in subsection (a) may produce one of the following documents as evidence that the motor vehicle was covered by a policy of motor vehicle liability insurance:
(1) The declaration page of the insurance policy or a copy thereof.
(2) A copy of a valid binder of insurance which contains all of the information required to appear on the I.D. card, excluding policy number.
(3) A copy of an application for insurance to the Pennsylvania Automobile Insurance Plan which contains the information required to appear on the I.D. card, excluding the policy number, and is signed by a licensed insurance agent or broker.
(c) Newly purchased vehicles. If the vehicle was purchased within 30 days prior to the demand, a document enumerated in paragraph (1), (2) or (3) which covers another vehicle owned by the owner of the vehicle being driven at the time of the demand will constitute proof that the vehicle in question was insured at the time of the demand.
(d) Expiration. A copy of a valid binder of insurance or an application for insurance to the Pennsylvania Automobile Insurance Plan will be acceptable as proof of financial responsibility for a period of 30 days from the effective date of the policy. If more than 30 days have elapsed from the effective date of the policy, a copy of the declaration page of the insurance policy, or an I.D. card, if issued, shall be displayed.
(e) Production of proof of financial responsibility to avoid revocation or suspension. A person who fails to produce proof of financial responsibility as required by this chapter will avoid the revocation of vehicle registration and suspension of the operating privilege, if the person produces, within 5 days, acceptable evidence of financial responsibility valid at the time of the offense or accident to the court, police officer or the driver of a vehicle which is involved in a motor vehicle accident.
Notes of Decisions The doctrine of laches was properly applied where the Department sought to suspend a driver’s privileges for failure to provide proof of financial responsibility at the time of an incident which occurred 17 years ago. Department of Transportation v. Benner, 616 A.2d 181 (Pa. Cmwlth. 1992).
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