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.
SR22 Auto Insurance Certificate With Teen Driver
Q: Do you have any tips for saving money when adding a teenager to your SR22 auto insurance certificate insurance policy?
A: Sure. An SR22 auto insurance certificate is a costly type of car insurance, and adding a teen to your policy is bound to make your rates rise yet again, which is why you need to keep your eye on available discounts when choosing a car insurance company. There are two discounts which will save you the most with a teenager, and here they are.
First of all, you should have your teenager be part of a general driver’s education course. You can usually find a class like this at your child’s school. If they take a course in order to get their driver’s license, then once they have the course finished they will be able to get a discount. Don’t forget that your teen needs to be on your SR22 auto insurance certificate while they have their learner’s permit as well.
Second of all, you should keep an eye on your teen’s grades. What does this have to do with your SR22 auto insurance certificate? If your teen makes Bs or higher in his/her classes, then you can save good money on your auto insurance with a good student discount.
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.
Teen Drunk Driving Insurance Rates in Pennsylvania
Reader’s Question:
I am only eighteen years old and I receive a DUI in Scranton, Pennsylvania, I went through the ARD program and I would like to know if my auto insurance will go up at all?
Charles
Scranton, PA
In Pennsylvania they permit for an Accelerated Rehabilitative Disposition (ARD) for 1st offense of DUI. When a DUI offender is accepted into an ARD program the state suspends their charges however they are required that certain court ordered conditions are met. These conditions may include community service, drug and alcohol counseling, etc.
The Pennsylvania Insurance Department states that if you are convicted of an alcohol related violation such as DUI in Scranton, Pennsylvania, whether or not you complete an ARD program, your license will be suspended. This alone is a valid reason for insurance providers to increase rates, non-renew or cancel your insurance policy.
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