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Coverage & Claims

Can the bank force me to get coverage on my vehicle?

If you have a loan from that particular bank and in the loan contract it states you must have auto insurance, they can force coverage on you. Because they have an invested interest in the vehicle through the loan, they will require it to be insured.
Feb 2, 2018 Hadley, Pennsylvania

General Insurance

Insurance under my name for car owned by parent

What I recommend doing for this situation, because it might be complicated for an insurance company, is have your mother buy, register, and insure the vehicle in California. She then needs to add you as a driver on the insurance policy so you can use the vehicle regularly.
Jan 25, 2018 Norristown, Pennsylvania

Coverage & Claims

My 17yo son lost his license, what do I do with the insurance?

The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.
Jan 23, 2018 Allentown, Pennsylvania

Coverage & Claims

My uninsured van was totaled by a driver with coverage

Your insurance status doesn't impact your ability to have your vehicle repaired or be reimbursed. In this case, your neighbor having "full coverage" wouldn't matter because that typically covers damages to their vehicle (through comprehensive and collision) rather than their liability which would help you, in this scenario.
Jan 23, 2018 Philadelphia, Pennsylvania


Will Erie reinstate my policy after non-payment?

It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
Jan 19, 2018 Greensburg, Pennsylvania

Eligibility General Insurance

Can I still be on my parent's car insurance?

Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. Because of your age, you might have some difficulty finding car insurance, so here is our guide to shopping for car insurance for 22-year-olds.
Jan 9, 2018 Morton, Pennsylvania


My husband can no longer drive, does he have to be on our policy?

In Pennsylvania, like most states, require all members of the household above driving age to be added to policy. However, since he is no longer driving, your insurance company may allow you to exclude him from your policy.
Dec 22, 2017 New Castle, Pennsylvania

Coverage & Claims

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
Oct 3, 2017 State College, PA

Coverage & Claims

What can I do if I was hit by another driver and their insurance company cannot reach them for a statement?

Getting a statement from both parties involved in an accident is pretty normal when filing a claim with the at-fault driver's insurance company. Unfortunately this doesn't always happen quickly.
Aug 23, 2017 Pittsburgh, PA

Eligibility General Insurance

If I have insurance with State Farm in Pennsylvania and will be leasing a car through Uber Xchange, will I be able to keep my policy?

As of March 20, 2017, State Farm began offering a coverage endorsement for TNC drivers in Pennsylvania. This means that you should be able to maintain your existing policy once you start driving for Uber.
Jul 13, 2017 Philadelphia, PA
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