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Old 12-20-2004, 02:43 PM   #1
annointed
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Member#: 5960
Join Date: Apr 2001
Chapter/Region: Tri-State
Location: Atlantic City, NJ
Vehicle:
FXT 11.6@118 93 oct
NSX 450 whp SC'd (93 oct)

Default NJ/PA insurance accident related question...

A friend of mine asked me for advice, and I'm not sure what to tell him, so I'm turning to the tri-state nasioc crew for their opinions, experience, and/or flames

He used to live in PA, and moved to NJ recently, but is still using a PA address. His car is insured, tagged and registered in PA, and he plans to keep it that way until he finishes school.

Now, his wife was parking their car recently, and her foot slipped from the brake to the gas, and she popped another car, which might be totaled (its an older car, not worth much to begin with). So the other car is jacked up. However, my friend's car is fine. Literally not a scratch. They exchanged insurance info w/the owner, who seems to be pretty cool.

Now, here's the question. His wife has a NJ driver's liscense. His insurance company wants to talk to her, presumably to confirm that she's ok, etc. The question is, if they ask why he has a PA address/liscense/insurance, yet his wife has an NJ address/liscense, could this turn into a problem? Since technically, living in NJ, but saving money by claiming PA info is not right.

IF I were in this situation, I would try to settle it personally between myself and the other person, and not bring the insurance company into it. But his financial situation is extremely tight, as he's in school, and his wife doesn't work, so he doesn't have cash to pay for the other person's car.

Any feedback is appreciated!

Thanks.
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Old 12-20-2004, 03:06 PM   #2
billy boi
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Join Date: Jun 2002
Chapter/Region: Tri-State
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.... front cover of
MODIFIED MAG Sept. 2006

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the only problem that i see is that the insurance company has the right not to pay for the claim because they only insure him since its his policy . so if you could go back on your story , just say he was driving . but if she is included in the policy , then its all good .
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Old 12-20-2004, 03:30 PM   #3
annointed
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FXT 11.6@118 93 oct
NSX 450 whp SC'd (93 oct)

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Quote:
Originally Posted by billy boi
the only problem that i see is that the insurance company has the right not to pay for the claim because they only insure him since its his policy . so if you could go back on your story , just say he was driving . but if she is included in the policy , then its all good .
She's not included in his policy. I think he already told insurance that she was driving, which is why the ins company wanted to talk to her about the accident, to make sure she was ok, and probably to get a statement.
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Old 12-20-2004, 04:45 PM   #4
unmprezivwrx
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Deep Sapphire Metallic

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plus it could be nasty if they prove it wasn't garaged in pa
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Old 12-20-2004, 08:55 PM   #5
scrapin'
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I think once the insurance company sees she has a NJ license they might investigate...then they won't just have to worry about the other car, they could be charged with insurance fraud.
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Old 12-21-2004, 07:51 AM   #6
STI 2 NV
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Location: Upstate NY
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the way insurance works is they insure the car, not the driver. so, if someone has an accident in the car covered they will pay of any damages to the other parties property as well as any personal injuries. anyone can drive anyone's vehicle, hence i could come down to nj and drive your friend's vehicle and if i have an accident with it there is coverage. they will ask who she is, he explains she is the wife and she just happened to have the chance to get her nj license. everything will be ok as long has he has out of state coverage on his vehicle, which i'm sure he does. they are calling her to find out what happened, it's standard procedure. so, to sum up, insurance is bought to cover the vehicle, not the person driving, unless u have certain coverage like medical. bodily injury(bi) is injuries to the other party, this could be 25/50, 50/100, 100/300 and so on, property damage(pd) is damage the other party usually 10k, 50k, 100k and so on. hopefully this helped and if u have any other questions hit me up.

i do want to add, the only problem he may be faced with is why he hasn't had his insurance switched over to nj. depending on how long he has been there he can state he hasn't had a chance or he wasn't sure if he was staying in nj, he thought it might be a temp move. what they could end up doing is just switching his insurance to nj and back date it for the date he made the move and he'd have to pay the extra cost it would have been. some of this depends on who he insures with as some companies only insure in certain states.
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