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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.

Eligibility

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.

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.

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.

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.

Coverage & Claims
General Insurance

What happens if you hit a rental car?

The claims process after hitting a rental vehicle would be the same as hitting a vehicle owned by another person. You should contact your insurance provider and notify them of the incident.

General Insurance

Can my mom lower or cancel her insurance if she no longer plans to drive?

Unless there is a loan on the vehicle and the bank is requiring that she have physical damage coverage, she can carry the state minimum for the purpose of keeping the car legal. If she wants to completely cancel her policy then she would need to turn in the vehicle's registration tag to the state.

General Insurance

Should my daughter have her own insurance policy?

It would make the most sense for her to have her own policy since she will be traveling, and potentially living, in multiple states after no longer being considered a student. Her "home address", as far as an insurance company is concerned, is where she keeps the vehicle for at least 6 months out of the year.

Car Insurance Costs
Coverage & Claims

Why did my rate go up over $1,000 per year after my daughter's not at fault accident?

First and foremost, I think you should consider shopping around for a new company. Although "not at fault" accidents can have a negative impact on your rate, that certainly seems like an exorbitant increase.

General Insurance

What coverage do I need if a deer runs into my car?

Animals cause all sorts of damage to vehicles, and not always because someone hits them with their car. Luckily, insurance companies don't discriminate over you hitting an animal or an animal hitting your car.
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