I am from Allegheny County, and I was wondering some stuff about auto insurance. I was told that I had to have car insurance if i had a license with OR without a car. I don't have a car and do not plan on getting one. Is it true that you have to have insurance even if you do not own a car yourself?
(i'm 19, living in a dorm in college so I would only be driving my parents car in the summer anyways.. so i don't want to pay a ton for insurance when i won't be using it.)
2007-07-03 08:40:00 · 1 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
If you are living in a dorm at college, you are still considered a resident relative in your parents' household, therefore, you still need to be covered on their auto policy. PA is a PIP state & even if you are a passenger in another vehicle, your medical will come from their policy as a resident relative. Anyway, if you are at school, over 100 miles away, without a vehicle, you will get a significant discount on the policy. If you are a female away at school, you would be rate class would be what is known as "all other" which is the adult driver rate, which will cost your parents little to nothing to have you listed as a driver. If you are male, your rate is a little higher (but rated as a married male which reduces the rate significantly also). Have your parents call their insurance company to get a rate. The agent can explain this all to them.
2007-07-04 04:15:30 · answer #1 · answered by Sue 6 · 0⤊ 0⤋
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2016-09-25 20:12:55 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Your parents have insurance that is part of their plan that would cover you while you are driving their car. As long as you are a licensed driver in the Commonwealth and have their permission to drive the car. So you do not need car insurance.
2007-07-03 08:59:05 · answer #3 · answered by Anonymous · 0⤊ 1⤋
No live in PA myself and just because you have a license does not mean you have to have insurance, only if you own a car
2007-07-03 10:05:07 · answer #4 · answered by Pengy 7 · 0⤊ 0⤋