General Insurance

If a car isn't going to be used for a certain amount of time, does it need to be insured?

As long as the vehicle is still registered and licensed, then it needs to be insured. Pennsylvania can suspend your license if you suddenly drop insurance off a vehicle.

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General Insurance

Can I drive a truck I'm buying across state lines, without plates, to get it home?

I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated.

Coverage & Claims

Is the penalty for an insurance claim equal no matter what the offense was?

Unfortunately, it's not that simple and there are many reasons to file a claim not necessarily as a result of reckless driving or other risky driving habits. Insurance companies do not look at the reason for the accident, they look at whose company paid the claim and what it cost them.

Eligibility

Will I be able to get car insurance with the same company I canceled with?

Most companies will allow you to get insurance again even if you have canceled a policy with them in the past. Keep in mind that having continuous insurance coverage gives you a better rate so the price will likely be higher when you restart your insurance policy, and certain companies won't insure you if you have a lapse in coverage.

Coverage & Claims

If I hit someone and they don't have car insurance is it still my fault?

If you're determined at-fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in.

Coverage & Claims

Is a hydroplaning accident my daughter's fault?

Unfortunately, insurance companies list almost all single-vehicle accidents as at-fault on your claims history. This would be considered an at-fault collision accident. There is no other party at fault and this can be seen as a failure to maintain control of the vehicle.

Eligibility

Can I buy a vehicle in a different state than where I live?

Essentially, you need to have car insurance in the state where the vehicle will be kept. Car insurance is state specific.

Coverage & Claims

Do I have to pay a deductible if I hit someone but my vehicle is not damaged?

You only have to pay a deductible when your collision or comprehensive coverage pays for damages to your vehicle after filing a claim, so no, you will not need to pay a deductible in this case. I also recommend reading this article regarding claims to see how this will impact your rate.

Coverage & Claims

Does an accident appear on an MVR without a police report?

Typically, if the police are not involved, the accident will not show up on your motor vehicle report (MVR). However, the accident may show up as an at-fault accident on the CLUE report which is the report that pulls and verifies prior insurance claims.

Homeowners Insurance
Insurance Companies

Should I choose a company that is cheaper for my auto insurance or my home?

There's a couple of things to think about. While price is important, I would make sure you have equal coverage for your home and your auto from both Travelers and State Farm.

Homeowners Insurance

Can a homeowners claim be removed if there was no payout

No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.
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