1. The person is identified by name as an insured on the car insurance policy;
2. If the insured listed on a PA auto policy is a partnership, then the people making up the partnership are all insured. Continental Casualty v. PRO Machine, Pa. Super., 916 A.2d 1111 (2007).
3. A spouse or other relative is an insured in PA but only if they live in the home with the named insured;
a. Common law spouses are not recognized as spouse/relatives and are thus not insured
b. Also, unless the policy states otherwise, part-time residents (college students, etc.) may be insured as well. Toplin v. Pennland Ins. Co., Phila. CCP (1997).
c. A spouse does not qualify as an "insured" under other spouse’s employer’s commercial auto policy where the husband is not identified as a named insured under the policy. Hunyady v. Aetna, Pa. Super., 578 A.2d 1312 (1990)
d. A child of separated parents is not necessarily a resident of both households. Instead, a determination must be made whether the child is a resident of a given household. Erie v. Weryha, Pa. Super., 931 A.2d 739 (2007).
4. A minor in the custody of the named insured or a relative of the named insured if the minor is a resident in the household of the named insured and thus an insured themselves. A court order proving custody is not necessary to establish this.
It is important to know whether you are insured under a particular auto policy in Pennsylvania and which people are insured under your policy. These four rules are good rules of thumb for knowing how far a given policy of Pennsylvania auto insurance extends.
To learn more about auto insurance in Pennsylvania, please read my previous post Car Insurance Coverage in Pittsburgh. Share this post :