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Will insurance in PA cover an accident if the car has expired emissions, and state inspection stickers?

Pittsburgh, PA |

I just realized that my car is due for inspection and I know I need tires. I have an appointment to get new tires tonight but of course it snowed today and I am nervous driving, if I would get into an accident with expired stickers will my insurance still cover the damages

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Attorney answers 5


Unless there is a specific Pennsylvania statute or a specific exclusion stated in your insurance policy which would bar coverage if your stickers have expired, you are covered. I have never encountered any policy which excludes coverage when there is an expired sticker, but that doesn't mean that the insurance company wouldn't try to stick that kind of provision in the policy. Even if it was there, it may well be against your state's insurance regulations or the public policy of your state and therefore invalid.

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Unless there is a specific exclusion under the agreement, it's difficult to see how the condition of the car and its tires will affect coverage. Now, if you were to run the car in that condition for a long period of time, that may be deemed willful indifference, and willful conduct just may be excluded under the insurance contract.

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Your insurance should stil cover the damages, unless their is an exclusion or some other limitation in your policy. However, my suggestion would be that you make certain to get the new tires as soon as possible,


Yesl The questions are whether your car is insured and registered. Every insurance policy I have seen has had a grace period for inspections. We all neglect to have our cars inspected. I do it all of the time. Mick Leonard, J.D.


Coverage under your policy is dictated by the terms of the policy. If the accident resulted because of some issue related to a systems failure in the vehicle that would have been corrected at a state inspection & emissions check, then you may have to examine the exclusions portions of your policy a bit closer to ensure that they cannot deny coverage for some failure on your part to exercise your due diligence in maintaining your vehicle. Unless there is a direct correlation and a clear provision in the policy, I would not worry about it - turn in the claim and get that car inspected, before you get ticketed.

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