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.
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.
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