How Expensive is Comprehensive Auto Insurance In Pennsylvania?
Reader’s Question:
Is it expensive to get a collision and comprehensive auto insurance policy in Pennsylvania?
Maila
Philadelphia PA
Before a motorist think of price, it is important to understand how a particular coverage can protect and benefit him in the long run. A collision and comprehensive vehicle insurance in Pennsylvania means you are getting more protection as a motorist. Normally, it is only liability that the law requires. It is enough for a motorist to have the minimum requirement so that when he accidentally hits a person, or injures a person during an accident, or damage a property, his insurance can cover the costs of damages.
A collision coverage will protect a motorists in the event that his car is damaged because of collision. The liability insurance is only good as far as covering third party damages while the owner of the car is left to take care of the costs of fixing his vehicle. A comprehensive vehicle insurance in Pennsylvania means you don’t need to worry about repairs that are not collision related. What if a big branch falls on your car? You will definitely have to do something about the dent on your roof.
A comprehensive vehicle insurance in Pennsylvania ensures that you need not worry about repairs since you get covered for that kind of damage. For all of those protection, a motorist should expect to pay a reasonable amount of premium. It should not be too expensive nor too cheap. To get the right price, shop for quotes.
Can Car Insurance Company in Pennsylvania Cancel My Policy?
Reader’s Question:
Is there a law or something in Pennsylvania that states that car insurance providers may cancel or a vehicle 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 are convicted of DUI/DWI
- If you did not pay your vehicle insurance policy premium
- If you get involved with 2 or more accidents of the same type within thirty six months wherein you are found at fault
If your car insurance providers cancels or non renew your vehicle insurance policy in Pennsylvania, they should they send you notification or written explanation 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.
What Cars Are Cheaper To Get Auto Insurance?
Reader’s Question:
Hello, I’m from Pennsylvania. We have finally decided to purchase our son his own car and get him his own vehicle insurance policy. He is going off to college pretty soon. He’s very excited about this, and I’m sure he would want a fancy one. However, my husband and I want to be practical. Vehicle insurance coverage alone can be draining on the budget. What would be a good choice of vehicle?
Jenny
Philadelphia, PA
Hi Jenny of Pennsylvania! Are you planning to get your son a liability car insurance coverage? This is the minimum requirement in most states primarily because you must be able to take responsibility for any damage you might inflict on another person while driving. This, however, does not cover damages to your own car, so your car choice in this case won’t matter so much.
It’s a good thing though that you’re being careful about buying a vehicle. There are several factors that affect your premium especially if you’re getting a comprehensive car insurance coverage. What car you drive is one of them. Some cheap cars to insure include Chevrolet Venture, Honda Odyssey, Buick LeSabre, Oldsmobile Silhouette, and so on. You might want to canvass vehicles in this range. If the car you choose is likely to get into an accident, it will be more expensive to insure. If it is costly to repair, vehicle insurance companies will also charge more. Between a sedan and a mustang, the former would be the obvious choice.
Even if you could afford it, I wouldn’t recommend buying an expensive car especially if your son is a beginner at driving. His inexperience could work against him. Both the value of his car and his lack of driving experience will raise the premium of his vehicle insurance policy. These are hard times, and I guess your priority should be utility and safety. He could get his sports car later.
What Kind of Car Insurance Coverage Should I Get in Pennsylvania?
Reader’s Question:
If there’s a third party liability, then what’s the coverage for first and second party liability? I don’t think I’ve heard of those here in Erie, PA. I just got my first car and I don’t know what kind of insurance to get.
Chuck
Erie, PA
You are one confused kid, I tell ya. Okay, let us get all the terms clear here, all right? The term first party refers to you, the policy owner who entered in to contract with the second party, which is the car insurance company. So, yes you were correct about not having heard of the first party and the second party liabilities before because in Erie, Pennsylvania and in any other state for that matter, the most common and most sought-after kind of insurance coverage is the third party liability. Well, of course, you got the idea of second party all wrong. Seriously now, the third party refers to the other person or other persons who are involved in the accident, and they are the people to whom the damage is done, whether in terms of body injuries or damage to property. So in a nutshell, the coverage of the first party liability includes the policy owner, his or her passengers. The third party liability, on the other hand, covers property damage and bodily injures on other people as a result of the accident, so you won’t have to worry about paying for repair bills and medical expenses. And there’s no such thing as second party liability, which is like saying that it’s the vehicle insurance company that caused the accident.
Tags: auto insurance, auto insurance coverage
Can I Get Auto Insurance in Pennsylvania With Out of State License?
Reader’s Question:
I recently moved to Scranton, Pennsylvania and I have a Delaware license. I am planning to buy a vehicle. Do I have to switch to a PA license before I can obtain vehicle insurance in Scranton?
Jake
Scranton, PA
You should be able to insure a vehicle in Scranton, PA with your DE driver’s license but it would be advisable to change over your Delaware license to a Pennsylvania license before purchasing, registering and insuring a vehicle just to make the whole process easier. You will need to go to the PA Bureau of Motor Vehicles to get a Pennsylvania driver’s license and register and title a car in this state.
The PA Department of Transportation (PennDOT) states that all new residents with out-of-state non-commercial driver’s licenses must get a Pennsylvania Driver’s License within sixty days of establishing PA residency.
If you do buy and insure a vehicle in Scranton Pennsylvania before you exchange your DE driver’s license for a PA license then once you do obtain your PA license, during the sixty day period you have after you becoming a resident of Scranton PA, you need to tell the insurance provider of your new license.
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.
What Happens If I Drive Without Insurance And Driver License?
Reader’s Question:
If I got involved in a car accident without insurance and driver’s license in Pennsylvania however it is not my fault. Could I be charged with a crime if someone got killed in the accident?
Fred
Pittsburgh, PA
Operating a vehicle without insurance and without a valid license are both against the law in the state of Pennsylvania. Pennsylvania laws states that every car that is required to be registered should be covered by financial responsibility (FR). Most motorists choose to get Financial Responsibility in the way of auto insurance.
The penalties for not having auto insurance, or another form of FR, can include:
1. A three month suspension of your driver’s license
2. A minimum of $300 fine
3. $50 reinstatement fee to restore your driver’s license
4. A three month suspension of your vehicle registration
5. $50 reinstatement fee to restore your vehicle registration
6. That the car may not be driven by anyone while the registration is revoked or suspended.
Since you were driving without the required state insurance and without a valid license you will likely received some of the penalties above if you were convicted by the responding law enforcement officer. There might be other penalties too if you get involved in an accident and if a death occurred.
Penalties For Driving Without Insurance in Pennsylvania?
Reader’s Question:
I’m from Allentown, Pennsylvania and I’m thinking, what are the penalties if you get caught driving without insurance?
Paul
Allentown, PA
If Pennsylvania Department of Transportation (PennDOT) finds your car insurance has lapsed for over thirty one days you will have your car’s registration suspended for three months. If you get caught operating the vehicle without car insurance your license will be suspended for three months as well.
The vehicle’s registration plate, card , sticker and your driver’s license must be surrendered to PennDOT to serve the suspension. Reinstatement fees of $50 and proof of valid car insurance must be submitted prior to the time your registration and/or driving privileges are to be returned.
Other than these penalties for not having car insurance on your automobile if you are cited and stopped for operating a vehicle, your car might be impounded and fines will likely result, as well as the aforementioned suspensions.
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