Coverage & Claims

Can I remove my deceased husband from my claims history?

Unfortunately, you won’t be able to remove him from the history of the policy, but if you are getting new quotes, it would be best to obtain proof that the claim was not in your name. Most insurance agents will be able to dispute a claim if they are provided said proof at the point of sale. 
Jan 6, 2021 Lawrenceville, PA

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Car Insurance Costs Insurance Companies

What are the best car insurance companies for drivers over age 65?

Drivers over the age of 60 are often seen as responsible drivers by insurance companies. Because of this, they often pay $683 less per year than the average driver for car insurance.
Nov 9, 2020 Philadelphia, PA

Coverage & Claims

I made two claims last year. Should I file a third?

If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Jun 26, 2020 Reading, PA

General Insurance

Do I need insurance to transport a used car to the shop?

You do not need to insure the vehicle while it's in transit — especially since it's not yet registered. You'll need insurance once the vehicle is repaired and ready to be driven.
May 21, 2020 Gettysburg, PA

Coverage & Claims

If the driver is not licensed, does it affect their ability to file a claim?

Most insurance companies do have access to a driver's background when they quote and insure them. Not having a driver's license is usually an issue for insurers but it's not impossible to find insurance for an unlicensed driver, and that seems to be the case in this situation.
Jan 21, 2020 Bradford, PA

Coverage & Claims

Will filing a claim for uninsured driver property damages with my insurance company raise my premiums?

Sorry to hear about the hit and run. Filing an uninsured motorist claim should not affect your rates.
Jan 5, 2020 Erie, PA

General Insurance

Can insurance be temporarily suspended without it being canceled?

I do not know any insurer that offers a temporary suspension of insurance coverage. You could lower all coverages to the state minimum to make it cheaper, but if it is going to be more than a few months you may want to consider suspending the tags and discontinuing insurance.
Dec 25, 2019 Meadville, PA

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.
Sep 12, 2019 Meadville, PA

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.
Jul 29, 2019 Montoursville, PA

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.
Jul 8, 2019 Bethlehem, PA

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.
Jun 16, 2019 Lancaster, PA
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