Do I Have to Have Motorcycle Insurance in Pennsylvania?
Reader’s Question:
Do I need to have motorcycle insurance to legally drive a motorcycle here in Philadelphia PA.
John
Philadelphia PA
In Pennsylvania motorcycle owners are required to have the same limits of liability insurance to register a motorcycle as an automobile. The minimum required insurance coverage needed to own and operate a car in 
Pennsylvania are:
•Medical Coverage — this coverage pays for medical bills for you and passenger covered on your car insurance policy regardless of who is at fault. The minimum limit is $5,000.
•Bodily Injury Liability — this pays for medical expenses if you injure someone in a car accident. You can purchase of at least $15,000\ limit per person up to $30,000 per accident.
•Property Damage Liability — if you damage someone’s property in an accident and you are found at fault, this coverage pays for it. You must buy at least $5,000 of coverage.
Motorcycle owners are required to sign and acknowledgment of Financial Responsibility Statement and give car insurance information such as policy number and the effective date and expiration date of the insurance policy.
Young Driver Insurance Quotes In Pennsylvania
Reader’s Question:
Where can I get car insurance quotes without having to go to a car insurance company? I need a young driver insurance quote in Pennsylvania before I buy a new car.
Thomas
Philadelphia, PA
Getting a young driver insurance quote in Pennsylvania from different companies is a great step to find the perfect car insurance policy for you. And you can do all the searching and comparing your collected young driver insurance quote right at the comfort of your own home. The internet can provide you with anything and everything you need and one of them are car insurance quotes. You can use a car insurance comparison website such as this blog to compare car insurance quotes from different “A-rated” car insurance companies side by side. In that way, you can analyze the differences so you will know the ideal car insurance policy with the right coverage at the right price for you. You can do it all quickly, securely and the best thing of all, free of obligation.
But since you’re still young, you’re still considered a high-risk driver for car insurance companies. That’s the reason why you keep getting high priced premiums on your different young driver insurance quote. Fortunately, you can lower down your quotes by (1) enrolling in a driving safety course (2) keeping your driving record flawless (3) getting good grades in school and (4) choosing an inexpensive car with lots of safety features.
Will Comprehensive Auto Insurance Pay For Hit and Run Accident?
Reader’s Question:
My car was parked in front of my house in Reading, Pennsylvania and last night it was hit by another vehicle. I have comprehensive and uninsured motorist coverage. Will these cover the damage on my vehicle?
Marla
Reading, PA
Comprehensive insurance coverage covers your car for things other than collision such as fire, flood, or animals or if your car gets stolen. Collision coverage on the other hand covers your vehicle when your vehicle hits, or is hit by, another car, or other object. I do not think your comprehensive coverage would cover the damage to your car you mentioned if it was from another vehicle since that would usually fall under the Collision coverage.
Uninsured motorist can be either for property damage or bodily injury. If you have the bodily injury (UMBI) then it will not pay for damages sustained to your automobile. Normally this insurance covers you, your passengers or insured members of your household for bodily/personal injuries, death or damages caused by an at-fault uninsured or hit-and-run motorist.
If you have uninsured motorist property damage (UMPD), and if the damage are from a hit and run accident then your vehicle may be covered. Typically UMPD covers your car when property damage is sustained by an insured and the other party does not have car insurance.
You may contact your insurance carrier in Reading, Pennsylvania to get better understanding of the coverages you have on your car insurance policy and you may also ask if the damages sustained in an accident would be covered.
Is There Affordable Auto Insurance For Retired Person In Pennsylvania?
Reader’s Question:
My wife and I are both retired. We need to cut our auto insurance premiums. How can we get more affordable car insurance in Scranton, Pennsylvania? Thanks for you help!
Edward
Scranton, PA
To find more affordable car insurance in Scranton, Pennsylvania, you have come to the right place, Edward. If you and your wife have safe driving records, make sure your new insurance carrier knows it. Safe driving records make the search for affordable car insurance much easier.
Another factor that can contribute to affordable car insurance is recording your driving mileage history. Again, the more information you provide that reduces the carrier’s risk, the more affordable car insurance rates will be. If your vehicle does not have anti-theft devoices, purchase and install them.
Edward, if you and your wife travel, you might consider taking your car off the road and storing it while you travel. When you do, notify your carrier. This will further lower your affordable car insurance policy.
To begin your search for the most affordable car insurance policies available to residents of Scranton, star by completing the inquiry request form on this site. This 21st century tool will help you shop for affordable car insurance and you will soon receive multiple presentations that you can study in the comfort of your home. What could be better? Learn about affordable car insurance and do it at home. That is a hard formula, to beat. Good luck, Edward.
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.
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.
Auto Insurance in Pennsylvania For Modified Cars
Reader’s Question:
Call me vain but I have made who have spent thousands upgrading my vehicle. I am renewing my auto insurance policy in no time and I just wonder if my upgrades will shoot my auto insurance premiums in Lancaster, Pennsylvania.
Arnold
Lancaster, PA
If you are one of the thousands of people who have made after-market changes to your car, you are not really vain. You are just a normal person who wants to get things better.
Whether its shiny new rims or some engine upgrades, you may have unknowingly changed the car insurance policy that you have in Lancaster, Pennsylvania. It’s a little known fact that car insurance companies in Pennsylvania PA typically do not insure you for any after-market changes you’ve made to your vehicle. Do you know that some changes can even completely cancel your policy?
You better ask if your insurance company in Lancaster have a problem with you adding a DVD player or expensive sound system to your car. Many insurance companies simply do not know how to determine an accurate and fair policy for vehicles that have made numerous modifications.
Other insurance companies determine their rates by looking through dozens of statistics for each model of car. This will give data as how much it costs to make certain repairs and what the vehicle’s market value is. When you change your, those statistics are no longer accurate.
But since it cannot be helped that many people modify their cars without even telling their insurance company, they’ll get to keep their current policy. Be wary though since your current modifications won’t be covered in an accident or robbery if you do not disclose such changes to your current insurer and still renew with them.
Is Teen Driver Required To Be Added To Parent Car Insurance Policy?
Reader’s Question:
Is my 16 year old teenage son required to be added to my insurance policy simply because he has his license, or can he just borrow my insured car until she gets his own car? What are the ramifications (if any) if I didn’t add him and there was an accident? We live in PA.
Carrie
Allentown, PA
Pennsylvania insurance providers guidelines vary but in general insurance companies will require you to list all licensed motorists in your household on your insurance policy. Since you son has received his license your car insurance company should be notified and they will tell you if you are required to add him or not, most likely you will need to add him in order for his to have coverage.
If you do not inform your Pennsylvania insurance provider about your son being licensed and he is not added to the policy then he may not be covered if in case of an accident. Or we have heard of situations in which the teenager would be covered for the accident but only after you have paid the premiums that should have been paid for your teenage son to be on the policy and properly covered.
Can I Transfer My Car Insurance Policy To Parent Name?
Reader’s Question:
If the vehicle I drive is under my name and Im a resident in New Jersey, can I have it transferred to my parents name, who live in PA, and have Pennsylvania insurance?
Phyllis
Pittsburgh, PA
If you are planning on giving your car to your parents for them to operate in Pennsylvania, you should have no problem transferring the title over to them and permitting them to buy Pennsylvania auto insurance for it.
If instead you want to change the car over to your parents name and obtain Pennsylvania insurance but continue to be the primary driver and have the vehicle reside with you in New Jersey, this will likely not be proper.
Having the vehicle registered and insured in one state but the car staying in another, if not told to the insurance provider, could be considered misrepresentation or insurance fraud in some states.
Do I Have to File An SR22 Insurance Form?
Q: Do I have to file an SR22 insurance form if I only drive once a week?
A: Sorry to say, but if you feel liked driving at all on a legal license, then you have to file an SR22 insurance form no matter how often you drive. Since you drive rarely, though, you would probably be able to get a low mileage discount from car insurance companies. The requirements for qualifying for a low mileage discount vary, so it also depends on how far you drive every day. Some companies discount you at five thousand miles a year, and others will discount you at ten thousand miles a year or less, so you should consider this when you;re looking for a car insurance policy.
Another thing you can do is, since you aren’t driving very often and so are at less than the usual risk for getting into an accident, you can lower your car insurance coverage and save a whole lot of your premium just from that. Cut your coverage down to at least liability, unless your financing or leasing your car, and if possible cut it down to a little above the minimum state required liability. Taking these two pieces of advice can help you file an SR22 insurance form while keeping it cheap at the same time.
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