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.
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.
I Live In New York Can I Register My Car in Pennsylvania?
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.
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