Borrowing an Uninsured Car Will My Policy Cover an Accident?
Reader’s Question:
I am from Pennsylvania, and I usually drive my friend’s uninsured car. Will my auto insurance cover it if I get involved in an accident?
Betty
Lancaster, PA
Pennsylvania is one of the largest states that adopted the no-fault law. The no-fault law states that if there was a car accident, the parties involved will be covered by their own car insurance company regardless of who was responsible for the mishap. This no-fault law is an attempt to minimize delays and red tape. Lengthy lawsuits trying to determine who was at fault and who needs to pay who can be quite tedious and bothersome.
In your case, before you borrow anybody’s car, be sure to verify if it has auto insurance coverage. Your friend has to obtain his or her own insurance coverage for the car. It is against the law to acquire a vehicle and not have it covered. This is because every federal government requires its motorists to have financial responsibility if they cause unfortunate accidents. So your friend is obligated to insure it.
If ever you get into an accident while driving your friend’s car, then his or her insurance will kick in first. Your auto insurance policy will be a back up to your friend’s coverage if it so happens that his or her policy limits cannot pay for all the expenses incurred following an accident.
Student Auto Insurance in Pennsylvania For Out Of State College?
Reader’s Question:
I live in Lancaster, Pennsylvania. My daughter is going to college in a different state and I am planning to transfer the title under his name so he could get her own car insurance. My question is, should he get car insurance here in Lancaster or where she is attending school.
Robert
Lancaster, PA
Typically a person insured their vehicle to where they are a resident of, which in your case in Lancaster. If your daughter is an out of state college student, she is still considered a non resident to that state.
So if your daughter is going to register and insure the vehicle in Lancaster she needs to make sure that she will be covered when she attend college in a different state. Your daughter would need to makes sure that he will be insured in the state where she will be doing most of her driving. She may speak with the car insurance carrier to get more information
You may be able to get more information on registering the vehicle with the PennDOT.
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.
Auto Insurance in Pennsylvania For Modified Cars
Reader’s Question:
Call me vain but I have made who have spent thousands upgrading my vehicle. I am renewing my auto insurance policy in no time and I just wonder if my upgrades will shoot my auto insurance premiums in Lancaster, Pennsylvania.
Arnold
Lancaster, PA
If you are one of the thousands of people who have made after-market changes to your car, you are not really vain. You are just a normal person who wants to get things better.
Whether its shiny new rims or some engine upgrades, you may have unknowingly changed the car insurance policy that you have in Lancaster, Pennsylvania. It’s a little known fact that car insurance companies in Pennsylvania PA typically do not insure you for any after-market changes you’ve made to your vehicle. Do you know that some changes can even completely cancel your policy?
You better ask if your insurance company in Lancaster have a problem with you adding a DVD player or expensive sound system to your car. Many insurance companies simply do not know how to determine an accurate and fair policy for vehicles that have made numerous modifications.
Other insurance companies determine their rates by looking through dozens of statistics for each model of car. This will give data as how much it costs to make certain repairs and what the vehicle’s market value is. When you change your, those statistics are no longer accurate.
But since it cannot be helped that many people modify their cars without even telling their insurance company, they’ll get to keep their current policy. Be wary though since your current modifications won’t be covered in an accident or robbery if you do not disclose such changes to your current insurer and still renew with them.
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