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.

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.