Can I Make An Auto Insurance Claim With Recently Canceled Policy?
Reader’s Question:
I had an auto accident but it was not my fault and my car insurance policy had canceled in Bethlehem, Pennsylvania. Could I still place an insurance claim if it is less than a few days canceled.
Gary
Bethlehem, PA
You could not put a car insurance claim through your own car insurance carrier since your car insurance policy was canceled in Bethlehem Pennsylvania and therefore not in effect at the time of the accident. It does not matter if your car insurance policy was canceled even by just a couple of hours, if your auto insurance was not valid at the time of the accident you would not have insurance coverage under your auto insurance policy. Since you mentioned that you were not at fault in the incident you may be able to put an insurance claim through the at-fault party’s insurance carrier.
You can try to put an insurance claim with the at-fault driver’s insurance company to check if they will accept it.
It would be helpful in your case if you are properly insured now. Even if you did not get a ticket for driving without insurance it would be best to now have your car insured so that you can legally operate a vehicle.
Cheap Occasional Driver Auto Insurance in Pennsylvania
Reader’s Question:
I live in York, Pennsylvania and my nephew, who is 19 years old, wants to occasionally drive my vehicle to get to school. He doesn’t live with me. Can I insure him? What happens if he gets in an accident? I have full coverage.
Rita
York, PA
You will need to verify with your insurance carrier to find out if they will permit you to add your nephew as a driver or if he will be covered to drive your vehicle occasionally as the insurance policy currently is written. Since he does not live in your household it will be up to your insurance carrier’s underwriting rules to know if he can be added to your insurance policy in York, Pennsylvania or not.
Your insurance company should also be able to inform you if he would be covered if he was in an accident without being added to the insurance policy. Since your vehicle has full coverage and that you are referring to state mandated liability plus physical damage coverages of comprehensive and collision. So you will want to verify to make certain these coverages will extend to your nephew when he borrows your car to drive to school.
Can I Use My Out of State Auto Insurance in Pennsylvania?
Reader’s Question:
I live in MI and am planning to move to Altoona, Pennsylvania. I want to keep my auto insurance in Michigan. My father said that in Pennsylvania they won’t honor my car insurance policy in case of an accident. Is this true?
Fields
Altoona, PA
Yes, your father is correct, but you would need to speak to your auto insurance agent to be sure how your insurance provider will deal with your move in Altoona, Pennsylvania.
The insurance provider would need to be informed about you and the car relocating to PA. The insurance company would then say if you would be able to stay on your father’s policy but normally the answer would be no. When you move away from home, and the vehicle is no longer garaged at the home address listed on the car insurance policy an insurance company will usually no longer carry you and the car on the current car insurance policy.
You may need to speak with your father if either your name being added to the title of the car or signing it over to you completely.
Can I Get Auto Insurance in Pennsylvania With Out of State License?
Reader’s Question:
I recently moved to Scranton, Pennsylvania and I have a Delaware license. I am planning to buy a vehicle. Do I have to switch to a PA license before I can obtain vehicle insurance in Scranton?
Jake
Scranton, PA
You should be able to insure a vehicle in Scranton, PA with your DE driver’s license but it would be advisable to change over your Delaware license to a Pennsylvania license before purchasing, registering and insuring a vehicle just to make the whole process easier. You will need to go to the PA Bureau of Motor Vehicles to get a Pennsylvania driver’s license and register and title a car in this state.
The PA Department of Transportation (PennDOT) states that all new residents with out-of-state non-commercial driver’s licenses must get a Pennsylvania Driver’s License within sixty days of establishing PA residency.
If you do buy and insure a vehicle in Scranton Pennsylvania before you exchange your DE driver’s license for a PA license then once you do obtain your PA license, during the sixty day period you have after you becoming a resident of Scranton PA, you need to tell the insurance provider of your new license.
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