Can Insurance Companies Demand Information About People Who Live With You?

September 9, 2012 in auto insurance, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance rates, insurance company

Pennsylvania auto insurance just seems to be getting more and more complex. Like every other brand of insurance, it seems increasingly necessary to answer more and more questions about yourself and your lifestyle just to get any policy at all in your name. Apparently, your Pennsylvania car insurance rates are based on the answers to these questions.

 

In the barrage of questions that you may receive you may have noticed inquiries about the people with whom you live. Some people find this to be just one more st of questions and gladly answer them. Others are upset and suggest that these questions are another intrusion on their privacy.

 

At first glance, it may seem like it is none of your insurance company’s business who lives with you. However, you have to remember that they are not the government. The government has to follow a litany of privacy laws when thy engage you in questioning. Insurance companies are private entities with a vested interest in keeping your car safe that they do not have to pay out benefits.

 

The truth is that they can ask you anything they want. Since auto insurance companies are risking their own money by insuring your vehicle, they have the right to ask all sorts of questions. The recent increases in the number and variety of questions simply reflect their desire to engage in less and less risk when they determine Pennsylvania car insurance rates.

 

Just because they have the right to ask you questions does not mean that you have to answer them. This is why this seemingly intrusive behavior is permissible and legal. Anyone can ask anyone else any question legally. You are free to tell your auto insurance company that you do not want to answer that question.

 

Since these companies are private entities and not government bodies, however, they are completely within their rights if they decide to cancel your policy or refuse you a policy from the outset because you did not answer this question. It might help you to consider the question or questions from their perspective. Insurance companies know that accidents are more likely when insured drivers live in a house with drivers who have bad records. Even if you insist that no one else in the house will be driving and that you only want insurance for yourself, there is always the chance that you might let someone else drive your car.

 

They may also want to ask questions about other people in your home in order to get an idea of your character. Perhaps your record is clean but you live with people who have a less than honorable record and background. Again, this may seem rude and even illegal, but it is not against the law for someone else to ask you about your living arrangements. They are certainly not required to do business with you if they feel that they cannot trust you completely.

 

There are two ways to deal with this approach. You can simply agree to provide information because you want and need the insurance. However, you should know that your answers may affect your PA car insurance prices. You can also refuse to answer the question and await their decision. Most companies are going to be suspicious of someone who refuses to answer these questions and they may deny your insurance or cancel a policy if you already have one.

 

Your rights to privacy are important. Insurance companies, though, think that their bottom line is more important. If your company approaches you with these questions, be ready to either answer or accept the consequences of failing to answer

Can You Insure A Car In Another State?

August 27, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, auto insurance rates, auto insurance rates bradford, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, lower insurance rates

There may be times when you want to insure your car in a state other than where it is registered or where you have your primary residence. While this can be legally done in some states, under very specific circumstances, it cannot be used as a way to circumvent the insurance rates in the state where you live. For example, if you live in one state, but want to falsely claim residence in another state in order to take advantage of their lower insurance rates, you are asking for serious trouble; however, members of the military and college students are often exempt from claiming residence if they are only in the state on a temporary basis.

 

For most people, you will need to register your vehicle in the state where you live. In addition to registering your vehicle with that state, you will also need to notify your insurance company if you move. If you live in Pennsylvania, your Pennsylvania car insurance rates will be based on a number of factors. In fact, PA car insurance prices take into consideration everything from your age, sex, driving record, where you park, how far you drive to work, your home address and even your credit history and type of vehicle. Your insurance company will certainly want to know where the car is kept as well as who will be the primary driver of the vehicle.

 

As the primary driver of a vehicle, your Pennsylvania auto insurance rates will be based on your home address and other criteria; however, other drivers and their driving records will also be used to calculate your insurance premiums. This is especially true if you have other adults in your household or if you have children who have reached the legal age to drive. If a driver is a college student who attends college in another state, the primary driver will still need to carry insurance based on their home address. However, if the vehicle is registered in the name of the student, they will generally be able to maintain registration and insurance in their home state, even while attending an out of state college. This can change if the student is employed in another state, so it is important to check with your insurance agent before taking anything for granted.

 

When you are looking for ways to reduce your Pennsylvania car insurance rates, it is always wise to be honest with your insurance agent. Let them know who will be operating the vehicle, where it will be located and if it will be out of the state for an extended period of time. Your agent can help you find the best way to ensure that you have the proper registration and insurance for your needs. Sometimes, the best thing you can do is transfer title of the vehicle to your adult or college aged child and let them register the vehicle in the state where they are going to college. This can also be a good way to reduce your own insurance premiums.

Who’s Car Insurance Will Cover You If You Are Driving Someone Else’s Car?

August 22, 2012 in bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance rates

If you get in an automobile wreck when driving someone else’s car, does your car insurance cover it? If not, will it be the responsibility of the driver’s insurance? The law varies by state, and Pennsylvania does have its own set of governing principles. These principles may or may not apply, though, depending on the type of insurance coverage which you possess.
The Insurance Caveat

 

Before discussing anything else about car insurance, it is important to note that your individual car insurance policy is going to set the standard for who will be covered. You should always take the time to consult your own policy for information, and to consult an agent. You may want to consult the same individual who gave you basic PA car insurance prices for your information, as he or she will likely have access to your policy and know the best answers to your particular coverage inquiries. Even with this said, you can make an educated guess if you know a bit about the law.

Your Coverage

 

If you have coverage that follows you, your insurance coverage will cover you even if you are driving the car of another. It is important to check with your agent to find out if this is the case, and you may have to pay an extra premium for this level of service. It is generally rare that one will have a type of coverage that extends beyond his or her own vehicle, and Pennsylvania car insurance rates are generally higher for those who do have such a policy.

 

Their Coverage

 

Typically speaking, insurance coverage goes with the car. If the car owner gives an individual permission to drive the vehicle, he or she should be covered under that car owner’s insurance. This can vary by policy, of course, and permission must be clearly given before coverage will kick in. The only situation in which permission need not be given is a situation in which an individual would reasonably give permission to drive the vehicle (i.e., a trip to the hospital).

 

No Coverage

 

There are situations in which the owner of the car’s coverage should be the controlling coverage, but will not actually pay anything out. This situation occurs when the owner of the vehicle was negligent in giving permission to the driver. This might include giving permission to a drunk or underage driver, or giving permission to an individual known to drive dangerously. In this situation, it is likely that no insurance policy will actually provide any sort of coverage.

 

If you have permission to drive the vehicle and do not operate in a reckless manner, the odds are that the owner of the vehicle is the one who has the controlling car insurance. Pennsylvania auto insurance rates can be higher for those who have coverage that works in borrowed cars, though, and this kind of coverage can be more valuable. No matter what the law states, though, it is important to check with your insurance agent to find out about your coverage.

How Do Insurance Companies Define “Sports Car”?

August 15, 2012 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance rates

It is typical for Pennsylvania car insurance rates to be higher for sports cars than for other automobiles due to the high cost of parts and services, the increased risk of driving a car with less protection and capable of reaching higher speeds, and the tendency of many sports car owners to drive faster than the posted speed limit.  Pennsylvania auto insurance rates on sports cars, however, are different from other states due to the different definitions of sports cars.  Unfortunately for sports car drivers, the only constant in PA car insurance prices for sports cars is that they will be higher than other vehicles — and, in tandem with higher car payments, are likely to put the squeeze on car owners.

 

Each insurer will use a different definition or procedure to classify a sports car.  This is based upon the components of each vehicle as well as the origin of manufacture.  Insurance companies determine the classification with make and model, the size of the engine, the cylinders, horsepower, and physical size and weight of the automobile.  While the rule of thumb is that sports cars have two doors, they may be classified under PA car insurance rates by their engine capabilities as well.

 

PA car insurance prices and premiums are always higher for sports cars, as well as high performance automobiles.  Some of the most expensive cars on the market include foreign cars like the BMW M series and the Jaguar XJ-S, as well as domestic cars like the Ford Thunderbird Sport and Dodge Charger.

 

When you are looking for the best Pennsylvania car insurance rates for sports vehicles, the key to keeping costs low is to compare as many quotes as possible.  Companies give online quotes based only on occupation and driving history, making it possible for a person to collect several different options.  Include information on all the auto’s features in order to determine whether any could give you a discount.  If you include anti-theft devices or window etchings on your policy, it is possible to get discounts on Pennsylvania auto insurance rates.

 

There are different types of insurance available to car owners in Pennsylvania, but for a sports car owner the most important policy to own will be property damage insurance.  The minimum required level of coverage in PA is five thousand dollars, but a sports car owner will need much more than that in the event that their automobile is damaged or even totaled.  The average sports car costs just over sixty thousand dollars, and if you vehicle is vintage or a collector’s item, it will be worth even more money.  While it may not be necessary to take out a property damage insurance coverage worth six figures, it is necessary to consider the risks of driving on PA roads and adjust your rates to match the possibility of the worst happening in an auto accident.  Given that parts and service for sports cars cost more than other automobiles, it necessitates even greater coverage rates for a sports car.