April 2013 - Bradford PA Insurance - Williams Insurance Agency

Pennsylvania Car Insurance – Tips To Save Money

April 30, 2013 in adequate insurance coverage, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance companies in Pennsylvania, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, full tort, liability insurance, limited tort, property damage, underinsured driver, uninsured driver, Vehicle liability insurance

When registering a vehicle, all Pennsylvania motorists are required to have liability insurance.  Vehicle liability insurance covers any property damage or injuries that have happened in an accident.  However, only having the required car insurance in Pennsylvania is not always the best tip to save you money.

Every owner of autos or motorcycles need insurance to protect themselves from claims made against them.  Which would be liability insurance of any accidents that may be their fault.  This should be for compensating any damage or injuries to the victim of the accident.

As an owner of a vehicle in PA when you are getting insurance, you should consider buying enough coverage for any damage you cause.  The cost of automobiles has risen over the years, so an individual needs enough coverage by insurance to take care of any injuries or damage done to the other party in the accident.  Mainly, this is to protect your own assets from being lost.

Losses occur when you do not have adequate insurance coverage.  The insurance agent will be able to help you with questions.  It is good for you to understand the insurance you need.  He or she will help you save money in different ways without eliminating the most important coverage.  Coverage can include each family member, but he or she can help you decide if individual policies can save you money

The laws of Pennsylvania give drivers a choice for additional coverage that fall under two added options called Limited Tort and Full Tort.  It is important to determine which is best for you, as you are unable to change the option once selected, even for annual renewals.  This coverage allows you to recover on all medical and property expenses.  However, Limited Tort does not include pain and suffering or other non-monetary damages in the recovery.

Full Tort is the form of insurance that maintains all the rights you have for family members under your policy, especially if you had an accident with an uninsured or underinsured driver.  All medical bills or out-of-pocket expenses are completely paid.  Additionally, you may seek financial compensation for pain and suffering, lost wages, and other non-monetary losses.

Because so many accidents result in serious injuries, most people recommend that you have as much coverage as you can afford.  This is the only way to protect your assets from losses, and there is protection available since car insurance companies in Pennsylvania give you many options to select.


Choosing Car Insurance in Pennsylvania

April 25, 2013 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance companies in Pennsylvania, car insurance in bradford, car insurance in bradford pa, department of motor vehicles, full tort, limited tort, Pennsylvania Car Insurance

There are many car insurance companies in Pennsylvania that can be of help to you.  Choosing the best car insurance company in Pennsylvania can be as simple as asking your friends or family who they would recommend and why.  Although there are many online agencies, it can be nice to have an agent and company that are local to make it easier to call for questions.

If no one you know has a certain insurance company they can recommend, you can check the local newspaper or telephone book.  When you call to schedule an appointment, you can ask the agent what the best choices are for choosing the maximum coverage for the least amount of money.  Some agents represent more than one insurance company, and they will give you their recommendations based on your needs.  Pennsylvania car insurance is like many other decisions, it is easy to select the coverage for what you need and what you can afford.

In Pennsylvania, to drive legally you have to buy insurance on all vehicles you are responsible for and keep up all payments monthly to keep your policy up-to-date.  Under Pennsylvania law, this is to keep your financial responsibility for driving an automobile registered in the state.

When being stopped for a traffic violation and they discover you have no car insurance, you can face fines and expenses as follows:

×          A $300.00 fine

×          Impoundment of your vehicle

×          Suspension of your registration and your license for three months

×          Fees for restoration of license and registration

During suspension of your license, the Department of Motor vehicles does not permit you to drive another vehicle.  Moreover, during the suspension of the registration on your vehicle, no one can drive it even with a license.  The Department of Motor Vehicles does not allow it on the street until restoration of registration.  Therefore, you can clearly see that driving without car insurance in Pennsylvania has severe penalties.

Drivers must accept the financial responsibility of all vehicles they own.  This keeps everyone safer and reduces the personal expenses for everyone involved in an accident.  That said, what happens when someone local or from another state has an accident without car insurance?  Most people do not feel it is fair, because if the other driver is at fault and they have no insurance, it forces your car insurance to cover the damages.  That coverage is the basis for the options you choose when buying.  Moreover, make sure to discuss Limited tort and Full Tort options when buying car insurance in Pennsylvania.


Pedestrian Hit By A Car In Pennsylvania, What Are Their Rights?

April 16, 2013 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, insurance companies, Pa Car Insurance, Pennsylvania Car Insurance, Pennsylvania car insurance company, Pennsylvania car insurance laws

If a car in Pennsylvania has hit you, the first two questions you should ask are what are my rights?  Does their Pa car insurance pay my medical expenses?  While a lawyer will give you advice and even assistance to find the right medical treatment, knowing your rights can also help. First call 911, report the accident, and file a police report.  Whether injuries were slight or major, most insurance companies will not make any payment without a full incident report.

If you were a pedestrian, your injuries can be quite serious, including fractures, neck, head, and spinal cord injuries.  Significant injuries can result in lost wages.  Two important things you need to know to protect your rights are to obtain a complete medical evaluation and call an attorney.

Medical Evaluation

After any accident, you may not realize how serious your injuries are.  The first step is to receive an evaluation from a doctor. On-scene emergency care is essential, but equally critical is a full evaluation by a medical professional.  Sometimes your injuries are unclear until x-rays can reveal the extent of the injury.

You are highly urged not to settle with a Pennsylvania car insurance company after an accident, without an attorneys help. At the hospital, do not sign anything given to you by their agent.  Do not even make comments or allow a recording of interviews, without your own attorney present.


In the best of times, it is difficult to understand Pennsylvania car insurance laws, especially “full tort” and “partial tort.”  When you have injuries, it is even more difficult. There are many highly expert personal injury lawyers.  They will even come to the hospital if you are unable to go to them.  Most do not charge a fee unless they win your case.

Let your attorney act to get the maximum in settlements, especially if you should need long-term care.  Whether assisting you in obtaining the additional medical treatment you need, dealing with complex insurance issues, or detailing your losses, they can control all facets of the personal injury process.

Life-changing injury can result from an auto or truck, which strikes a pedestrian.  Sometimes the person is unable to ever work or care for himself or herself. Chronic pain from nerve damage can make it difficult to sit or stand.  Working with someone who understands the complexity of car insurance in Pennsylvania and these medical issues is the best way to protect your rights.


What are the different types of letters that I can get from PENNDOT after suspension?

April 8, 2013 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance in bradford, car insurance in bradford pa, Pa Car Insurance, penndot, pennsylvania department of transportation, proof of insurance

PENNDOT is the common name used to refer to the Pennsylvania Department of Transportation.  This department is therefore closely related to the auto insurance because it is mandatory for every car owner to have Pa car insurance. PENNDOT will not normally contact you directly and when they do they send letters. There are different types of letters about suspension that one can get from PENNDOT.

One such letter is the suspension letter. PENNDOT normally requires that one shows proof of insurance from time to time. If this rule is not adhered to, the person will get a letter of suspension. If you get the request to show proof of insurance, get it from your insurance provider. There are people who do not pay insurance but have also opted to keep their vehicles out of the roads. If this is the case you can get the MV- 221. This is the Non Operation of Vehicle document that proves that you do not drive the vehicle due to the fact that it is not insured. This is not illegal according to the law. Other people also get this letter if they did not coordinate with traffic police when they were flagged down. When you get this letter, you will have to surrender your car plate, card and sticker.

The second letter that you can get from PENNDOT is the registration letter for your car. This letter will inform you on the steps you need to take after your insurance is suspended. You can even get it online. There are some requirements that you will need to have so that you get the needed information. After this letter, you will get the eligibility letter that will inform you of the necessary requirements that you need to do in order to have your vehicle restored. You will also need to show a proof of insurance. It is only after you get these letters and abide by them that you will get the restoration letter. You will then get back your car plate, card and sticker.

These are the letters you should look out for when you have been suspended. In order to ensure that you are not suspended, ensure that you abide by the law. This is especially with regards to those that affect cars and car insurance. It is not pleasant to have a suspension in your record and this might even make your premium rates go up.