Can My Pennsylvania Car Insurance Company Cancel My Policy?
Filed under: Insurance Questions, Pennsylvania auto insurance
Reader’s Question:
Can you tell me if there a law in existence in Pennsylvania that says that car insurance companies can just cancel a car insurance policy because of accidents wherein you are at fault?
Mark
Philadelphia, PA
According to the Insurance Department of Pennsylvania car insurance companies are allowed to cancel or non-renew policies for certain reasons. The reason may be:
- If you have not paid your vehicle insurance policy premiums
- If you have been involved with 2 or more accidents of the same type within 36 months wherein you are found to be at fault
- If you have been convicted of DUI/DWI
If your car insurance providers cancel or do not renew your vehicle insurance policy that you purchased to drive in Pennsylvania, they should send you notification or a written form explaining why they are canceling or non renewing your vehicle insurance policy.
If however you disagree with your car insurance carrier’s decision or explanation, you can always send a letter to the Pennsylvania Insurance Department why you do not agree with the cancellation or non renewal of your vehicle insurance policy in Pennsylvania.
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.
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 devices, 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.
How Will Drunk Driving Conviction Affect My Auto Insurance Rates?
Reader’s Question:
My daughter is away at college and was recently arrested for underage drinking. She does not have a vehicle at school but her license has been suspended for 3 months. She is on my auto insurance and I would like to know this affect my insurance rates? I live in Lancaster, Pennsylvania.
Henry
Lancaster, PA
Even though your daughter is away at college, since she stays on your auto insurance it is likely that her underage drinking violation could affect your car insurance rates. An insurance carrier in Lancaster, Pennsylvania will normally take into account the driving histories of all household members, especially those listed as drivers on the insurance policy.
Since insurance carrier’s rating systems vary, to check for sure how your daughter’s violation of the law will affect your car insurance rates contact your insurance broker. Also your insurance carrier’s rating system should be filed with the Pennsylvania Insurance Department if you would rather contact them for this information.
Will My Car Insurance Rate in Pennsylvania Increase if I Commute
Reader’s Question:
Why do insurance carriers ask Pennsylvania (PA) residents if they commute or work in NJ or NY? Does that increase your insurance rate?
Allan
Erie, PA
Insurance providers differ in their rating systems so it is possible that some insurance companies within Pennsylvania include usage of the vehicle, meaning in this example commuting out of state into NY and NJ for work, could be used as a rating factor.
It is likely that driving into New Jersey and New York on a regular basis may find you to be a higher risk driver to an insurance provider since those states may have higher statistics of uninsured motorists and/or accidents. Risk analysis is what insurance carriers use when determining your car insurance premiums. Risk is probability; the probability that you will get involved in an accident and the probability of the severity of the incident.
It look like the PA laws permit usage of the vehicle, such as commuting into NJ and NY can be used to help assess your insurance rate. Whether it will increase your car insurance rate or not will depend upon the individual insurance carrier’s rating system so you can ask if working in or commuting to New Jersey or New York will affect the cost of your insurance.
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