An Overview of § 1774 under the Pennsylvania Motor Vehicle Financial Responsibility Law (MVFRL)

Section 1774, "Payments sufficient to satisfy judgments" stipulates the amount of compensation deemed to satisfy judgments, including $15,000 for injuries to one person, $30,000 for injuries to two or more, and $5,000 for property damage.

Statutory Text

§ 1774. Payments sufficient to satisfy judgments.

(a) General rule.--For the purpose of this chapter only, judgments shall be deemed satisfied upon the occurrence of one of the following:

(1) When $15,000 has been credited upon any judgment or judgments rendered in excess of that amount because of injury to one person as the result of any one accident.

(2) When $30,000 has been credited upon any judgment or judgments rendered in excess of that amount because of injury to two or more persons as the result of any one accident.

(3) When $5,000 has been credited upon any judgment or judgments rendered in excess of that amount because of damage to property of others as the result of any one accident.

(b) Credit for payment under settlement.--Payments made in settlement of any claims because of bodily injury or property damage arising from a motor vehicle accident shall be credited in reduction of the amounts provided for in this section.

(c) Escrow deposit by judgment debtor.--When the judgment creditor cannot be found, the judgment debtor may deposit in escrow with the prothonotary of the court where the judgment was entered an amount equal to the amount of the judgment, subject to the limits set forth in subsection (a), interest to date and record costs, whereupon the prothonotary shall notify the department and the judgment shall be deemed satisfied. The amount deposited shall be retained by the prothonotary for a period of five years from the date of the deposit, after which, if it has not been claimed by the judgment creditor, it shall be returned to the judgment debtor. When the deposit is made, the prothonotary shall notify the judgment creditor and his counsel, if any, by certified or registered mail at his last known address. No interest shall run on any judgment with respect to the amount deposited with the prothonotary under the terms of this subsection.

Key Terms:


Legal decisions awarded by a court regarding the rights and liabilities of parties involved in a legal action.


An agreement between parties to resolve a dispute without proceeding to a court trial.


A third-party holding of funds or documents until specified conditions are met.

Why this Section Matters for Pennsylvanian Drivers:

The §1774 of the MVFRL plays a pivotal role in shaping the financial obligations for Pennsylvania drivers in case of a motor accident. This section informs them of their financial liability if they cause an accident resulting in bodily harm or property damage, bringing clarity to what is considered legally sufficient in terms of satisfying judgments.

Why this Section Matters for Pennsylvania Attorneys:

For Pennsylvania attorneys, this section is crucial as it provides definitive figures needed to advise clients on potential financial impacts in a post-accident litigation scenario. It offers a clear understanding of how settlements are applied against judgments and provides a pathway for satisfying unclaimed judgments via escrow deposits.

Advanced Analysis:

The language used in §1774 is simple yet functional, designed to provide unambiguous guidelines regarding satisfying judgments after an accident. It adopts a logical structure, delineating each potential incident type (individual injury, multiple injuries, property damage) along with the corresponding financial requirements under the "General rule" clause. The subsequent sections outline payment reduction and escrow deposits scenarios, incorporating all potential situations, and ensuring comprehensive understanding for both attorneys and drivers.

Noticeably, the law avoids unnecessarily complex jargon, instead opting for terms that are more likely to be understood by the general public. However, the term "prothonotary" might be unfamiliar to many. A "prothonotary" is a court clerk, and the law refers to an escrow deposit that a judgment debtor might make with such a clerk if the judgment creditor is unreachable - an example of a specific, real-world application of legal principles in the document's text.


An in-depth understanding of the Pennsylvania Motor Vehicle Financial Responsibility Law's section 1774 is vital for all vehicle drivers, since it establishes the financial responsibility connected with automotive accidents. The specificity and unambiguous language of the law present clear parameters for all involved parties. A comprehensive understanding of this section allows attorneys to better advise their clients about potential financial liabilities in the unfortunate event of an accident.

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Von Wooding

Von Wooding

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