I live in Philadelphia, Pennsylvania and it is really not cheap to park your car here so I garaged my vehicle in my girlfriend’s house in the suburbs. Is it legal if I change my zip code (where the vehicle is parked) in my car insurance information.

Sam

Philadelphia, PA

The place where the vehicle is garaged is typically where you live majority of the time regardless of where you garage your vehicle occasionally. Even though you use your girlfriend’s garaging address to keep your vehicle, you likely still need to operate the car to where you live, by using your automobile on a regular basis. So your residential address would be the similar as your garaging address.

Insurance carrier’s guidelines can vary though so I would recommend that you speak with your insurance carrier to know what rules they have for garaging addresses. If how you are garaging the automobile is acceptable to them and permitted according to their rules and guidelines then you may be able to use the garaging address.

If the insurance carrier does not allow this, you might think about shopping around for car insurance and obtaining auto insurance rates from other insurance companies to check if you can get cheaper premiums in Philadelphia, Pennsylvania.

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.