Reader’s Question:

My brother lives in New York and wants to insure her vehicle under my insurance policy in Pennsylvania. Her vehicle is registered in New York. Is this possible?

Helen

Philadelphia, PA

No, normally this would not be possible for a few reasons.

One reason is that likely your insurance provider would not permit you to insure an out of state car that is not garaged at your home, not driven by a member of your household and not registered in PA. If you did not give your insurance provider the information that it was your brother’s car registered, driven and garaged in NY when adding the vehicle, nor have your brother listed as a driver on your insurance policy then this could be determined to be misrepresentation, a form of insurance fraud.

Another reason that you cannot insure your brother’s NYS registered car with PA car insurance is that New York laws require vehicles to be insured with NYS insurance.