If you own a car without the required auto insurance, you won’t be able to collect medical and wage loss benefits even if the car you were driving is insured

An owner of a registered uninsured automobile who is injured while driving an insured vehicle owned by someone else is ineligible to recover first party benefits according to a 2005 Supreme Court decision.

A driver was injured in an automobile accident when he was driving his father’s insured motor vehicle. However, the injured driver was the owner of a registered but uninsured automobile. Under the Pennsylvania Motor Vehicle Financial Responsibility Law (MVFRL) that person is not able to obtain first party benefits (which are typically medical bills and wage loss benefits) under the father’s policy.

Even if the victim had more than one auto that he owned and even if he insured some of them, if there was one registered uninsured vehicle, the accident victim would not be entitled to first party benefits. That would still hold even if he was driving an insured vehicle at the time of the accident.