Quoted: I asked this very question of a PSP trooper. He said the weapon and ammo has to be separated. The rifle doesn't have to be in a case but he recommended that it should be cased. Ammo in a different case. He also said if you have loaded magazines in any part of your vehicle with the weapon they fit that the weapon is considered loaded. It doesn't matter if the ammo is in the backseat of a car and the rifle is in the trunk. His advice was to load magazines at the range. Local PD may not say much but it would depend on your relationship with the officer that stops you and the reson you where stopped. Of course none of this applies if you are carrying a handgun and have a carry permit.
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Your PSP buddy may consider the weapon "loaded", but by law/definition it is not loaded. He does not know what he is talking about.
Also, the weapon and ammo do not have to be "as far apart as possible".
The rifle does not have to be in a case.
The ammo must be carried in a seperate container.
No, you can not have a loaded rifle in your vehicle unless you fit into one of the exceptions, LEO, sheriff, etc.
PACC 6106 Firearms not to be carried without a license.
(a) Offense defined.—
(1) Except as provided in paragraph (2), any person who carries a firearm in any vehicle or any person who carries a firearm concealed on or about his person, except in his place of abode or fixed place of business, without a valid and lawfully issued license under this chapter commits a felony of the third degree.
(b) Exceptions.—The provisions of subsection (a) shall not apply to:
(4) Any persons engaged in target shooting with rifle, pistol, or revolver, if such persons are at or are going to or from their places of assembly or target practice and if, while going to or from their places of assembly or target practice, the cartridges or shells are carried in a separate container and the rifle, pistol or revolver is unloaded.
For the record, I'm a PA LEO.