bodily injury Archives - Bradford PA Insurance - Williams Insurance Agency

My boss asked me to run an errand for his business; will my Pa car insurance still pay if I’m using the car for his business?

January 5, 2013 in bodily injury, bodily injury insurance, bradford, Bradford PA, bradford pennsylvania, collision, comprehensive, Employer Non-Owned Car Liability Coverage, Hired Auto Insurance, liability protection, Non-Owned Auto insurance, personal auto insurance

If you have access to a company car in your job, then it will be insured by your employer and you don’t need to worry about being covered in an accident. However, many companies expect employees to use their own cars when they’re conducting company business. In this situation, a number of questions arise regarding Pa. car insurance. When does the company’s policy cover you and when will you need to depend on your personal auto insurance policy?

Most large corporations have commercial policies that cover employees while they’re traveling. If you’re driving your own car on company business and you get into an accident, you may have to make a claim on your own policy. However, it’s also possible that your employer’s insurance carrier will cover the accident.

If your employer has you covered, make sure you understand how the process will work in the event of an accident. Find out who to call if there’s an accident, and carry that information with you while on company business.

The best way to avoid problems that can occur when using your vehicle for business errands is to make sure that your employer carries Employer Non-Owned Car Liability Coverage (ENOL) and Hired Auto Insurance. This is a type of commercial/business auto liability insurance. If you are driving your car for company business and cause an accident, this coverage will help pay for damage and injury to the other driver and vehicle.

Employer Non-owned Vehicle Coverage

Non-owned (that is, not owned by the business or the employer) auto liability coverage is usually included in commercial insurance packages or general liability insurance policies. It provides 3rd party liability (bodily injury and property damage) coverage for employees who are driving their personal cars on company business. A common mistake is in thinking that this policy would be the primary coverage should you have an accident while on company business. In fact, this coverage kicks in only after your own personal auto insurance is exhausted or your personal insurance company refuses to cover the claim.

As a rule, automobile coverage follows the automobile. This means that in the event of an accident, the primary coverage resides with the vehicle owner. Non-owned auto liability coverage is excess coverage, over and above your personal coverage. This also means that physical damage (comprehensive and collision) to the employee’s car is the sole responsibility of the vehicle owner. There is no means for a business to purchase physical damage coverage on a non-owned automobile.

Non-Owned Vehicle Liability Examples

To illustrate this coverage, consider the following scenarios:

Scenario 1: On the way to drop off company packages at the post office, a company employee runs a red light, hitting a second vehicle. The employee’s car is damaged. The accident causes damage to the second vehicle and the driver of the second automobile is injured.

  • Coverage: The employee’s auto policy will cover the damage to his own vehicle. The employee’s auto policy will pay for the damage to the 2nd vehicle and for bodily injury of the driver of that vehicle up to the maximum of his liability limits. After the employee’s limits are exhausted, the company’s non-owned vehicle policy will kick in. The employer’s policy will pick up the excess expenses over and above the employee’s policy limits for damage to the second vehicle, and for bodily injury to the driver of that vehicle. No employer coverage is available for the excess damage to the employee’s own vehicle.

Scenario 2: When returning from a company-related errand, an employee hits a column in a parking garage at the business’s headquarters and damages his own vehicle.

  • Coverage: The employee’s personal insurance policy pays 100% of the claim. The company’s non-owned vehicle policy will not take effect.

Scenario 3: You’re at a work site when you realize you’re running short on hex bolts. You send your employee, Joe, to the hardware store to pick up some extras to help get the job done. On his way to the store, Joe rear ends the car in front of him. The other car’s bumper is damaged, and the other driver has a sprained wrist. Since Joe was driving for work, Joe’s personal auto insurance can refuse to pay the bill. Fortunately, the company carries Non-Owned Auto insurance with a $300,000 combined single limit.

  • Coverage: The Non-Owned Auto insurance would pay the following: $1,500 medical bill for the other driver’s wrist X-ray; $1,000 bill to replace the other car’s bumper. Since the total expenses are well below the $300,000 combined single limit, the expenses would be completely covered by the policy.

Hired Auto Insurance

Hired Auto Insurance provides liability protection when driving a vehicle that is not owned or registered to the business or employee, such as a rental car. If the vehicle is rented for less than 30 days, Hired Auto insurance will protect the rented vehicle.

I’ve been in an accident and I don’t understand my car insurance. What am I entitled to receive?

December 13, 2012 in bodily injury, bodily injury liability, bradford, Bradford PA, bradford pennsylvania, car insurance in bradford, car insurance in bradford pa, collision, collision coverage, comprehensive, comprehensive insurance, full tort, funeral benefit, limited tort, medical benefits, property damage liability, underinsured motorists, uninsured motorists, uninsured/underinsured motorists

In the event of an accident, you have several different possibilities that can come into play. In Pennsylvania car insurance, there are certain state required coverages and also optional coverages that may be included in your vehicle policy.


Pennsylvania’s required coverages


Bodily Injury Liability — If you are the at-fault driver in an accident, this coverage will pay the medical and rehabilitation expenses for anyone injured in the accident, and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident. This is a minimum amount; it is recommended that you carry at least 100,000/300,000.


Medical Benefits — This coverage pays the medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage, but higher limits are recommended.


Property Damage Liability — This coverage will pay if you are the at-fault driver and you damage someone’s property in an accident. The minimum limit is $5,000 of coverage.


Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage will save you money on your premiums. You will still be able to recover all out-of-pocket medical and other expenses in the event that you win a court case; however, you will not be able to recover certain damages – such as payments for pain and suffering – unless the injuries meet one of the exceptions to limited tort defined in the Pennsylvania Code. With full tort coverage, your rights are unrestricted in the event that you bring suit against the negligent party in the event of an accident.

Pennsylvania ’s optional coverages


In addition to the required coverages detailed above, automobile insurance companies offer a variety of optional coverages which include:


Uninsured Motorist (UM) — This option covers you, your family, and your passengers for bodily injury if you are involved in an accident caused by an at-fault uninsured motorist.


Underinsured Motorist (UIM) — This option covers you, your family, and your passengers for bodily injury if you are involved in an accident caused by an at-fault uninsured motorist who does not have enough insurance to cover your claim.


Funeral Benefit — The funeral benefit will pay up to a certain dollar amount for funeral expenses if you or a family member dies as a result of an auto accident.


Income Loss — If you are involved in an accident and unable to work due to injuries, this coverage will pay a portion of your lost wages.


Collision — Collision coverage pays the cost of repairing the damage to your car due to an accident. Most banks or lenders require you to carry collision coverage in order to receive a car loan. A $500 deductible is standard, unless you request a lower amount. However, the higher your deductible, the lower your premium will be.


Comprehensive — Comprehensive insurance covers theft or damage to your car from hazards such as fire, flood, vandalism, or a collision with an animal. Like collision coverage, most banks or lenders require this coverage if you have a car loan.



Will A Speeding Ticket From Another State Affect Your Car Insurance?

August 8, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, bodily injury, bodily injury insurance, bodily injury liability, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pa, car insurance rates, department of motor vehicles, property damage

Many motorists wonder about how out of state driving infractions will affect their automobile insurance rates back home. Most Pennsylvania motorists are quite concerned about keeping their Pennsylvania car insurance rates down. Therefore, they take great care to drive safely. However, interstate car travel has become so easy today that it is not unusual for drivers to receive speeding citations while travelling through another state. Some drivers have even received more serious driving infractions such as DUI while out of their home state.


How Out of State Infractions Affect Your Car Insurance Rates


When it comes to driving infractions, most states have agreements between them to inform each other of violations that occur within their state. These agreements require that out of state driving violations be made known to the Department of Motor Vehicles (DMV) in a driver’s home state. Depending on the state where you live, these infractions may become a part of your permanent driving record.


The policy for recording out of state traffic violations on a person’s permanent driving record varies from state to state. Some states require that all infractions be recorded on a driver’s record while other states only record serious infractions. Drivers with multiple traffic violations will eventually be considered high risk by both the DMV of their state and insurance companies alike. High risk drivers always pay higher insurance rates than those with good driving records.


In Pennsylvania, out of state speeding violations are not considered serious traffic infractions. Therefore, it is not mandatory that these violations be recorded on a driver’s record. In fact, your insurance company may not even be informed that these violations exist. As a result, your Pennsylvania car insurance rates would not be adversely affected by them. If your speeding infraction caused an accident, however, that would be noted on your driving record, which could affect the cost of your insurance.


Serious infractions that occur out of state such as reckless driving or DUI are recorded on your driving record and these could have an impact on your insurance rates. Whether you are buying car insurance in PA for the first time or are renewing a policy, your insurance company can review your driving record to get an idea of what kind of driver you are. A poor driving record will reflect negatively upon you when it comes to getting car insurance in PA and will undoubtedly result in higher Pennsylvania car insurance rates.

PA Car Insurance Laws


In accordance with PA car insurance laws, vehicle insurance is obligatory in Pennsylvania, as it is for all U.S. States. Different states may vary, however, in the type of insurance coverage they require. In Pennsylvania, mandatory auto insurance for a private vehicle includes Bodily Injury Liability, Medical Benefits, Property Damage and Limited/Full Tort coverage. Pennsylvania drivers can also choose extra coverage such as collision, uninsured motorist, accidental death, comprehensive, etc.


Pennsylvania car insurance rates run on the high side, depending on the insurance company you use and the coverage you choose. Your personal driving record will also affect your insurance costs. For this reason, it is important to maintain a safe driving history. Cultivating bad driving habits such as speeding, regardless of where you travel, poses great risk to you and others. It is much better to drive safely and securely everywhere you go and avoid any risk of traffic violations or possible accidents.

Pennsylvania Car Insurance: What Are The Pennsylvania Financial Responsibility Laws?

June 23, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, bodily injury, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, financial responsibility laws, full tort, limited tort, no fault, property damage, uninsured motorists

If you are new to Pennsylvania or you are in the process of testing for your license, it is time get familiar with financial responsibility laws in the state.  Financial responsibility laws, which are also commonly referred to as PA auto insurance laws, require all drivers in the state to carry valid auto insurance when they are driving a vehicle on public roadways.  Drivers who are caught driving without Pennsylvania car insurance can be punished in a number of different ways.  Some of the most common punishments include the suspension of your driver license, the suspension of your registration, fines, tickets, and even jail time.  As you can see, the state takes insurance very seriously.  Learn why insurance is so important and what type of insurance is covered in the state and protect your driving privilege and yourself.


What Coverage Must You Carry in Pennsylvania?

All drivers in the state must carry third party liability insurance.  This coverage will pay a third party driver if you cause damage or injuries to that driver.  Liability is made up of both Bodily Injury and Property Damage coverage.  Your policy will only pay up to the limits stated on your policy to pay for either injuries or damage.  You must satisfy the state minimums of $15,000 per person and $30,000 per accident in Bodily Injury cover.  You also must carry $10,000 in Property Damage.

Not all states require drivers to carry first party (or medical payments) cover.  In Pennsylvania, you are required to carry a minimum of $5000 in medical benefits.  This coverage will pay for reasonable and necessary medical treatment resulting from an accident.  You can raise these limits if you desire by requesting higher limits on your Pennsylvania auto insurance quotes.

In some states, Uninsured Motorist is optional.  Officials in Pennsylvania require Uninsured Motorist so all drivers are protected from the few people who violate the financial responsibility laws.  If you are hit by someone with no insurance or low liability limits, your Uninsured Motorist cover will pay for your medical treatment up to the limits stated on your policy.  You must carry at least $15,000 per person and $30,000 per accident of UM in Pennsylvania.  If you select higher limits you will have added protection in exchange for paying Pennsylvania car insurance rates.


Understanding Tort and Full Tort

Pennsylvania is one of the few states that is classified as a “no fault” state.  This means that you have the option to select either a Full Tort or Limited Tort policy.  When you select a Limited Tort policy you limit your rights to sue by receiving a lower premium.  When you select a Full Tort policy, you can sue for things like pain and suffering, embarrassment, and other losses.

As you can see, financial responsibility laws in Pennsylvania are very complex.  You need to make sure you understand these laws when you are getting your license or registering a car in the state.  Sit down with an agent and discuss the laws in detail so you have a deeper understanding.

Benefits Of Quick Pennsylvania Car Insurance Quotes

April 29, 2012 in auto insurance quote, bodily injury, bradford pennsylvania, low-priced insurance, pennsylvania, pennsylvania car insurance quotes, property damage, ratelock

If you live in Bradford, Pennsylvania and you recently received your auto insurance renewal, it is time to price shop so you can find the lowest premiums.  Many drivers in Pennsylvania accept the fact that their premiums go up each year because they simply do not want to go through the process of pricing insurance.  If you are tired of accepting premium rate hikes, you can get quick Pennsylvania car insurance quotes from the comforts of your own home.  These quick quotes will include 10 different premium rates with a wide range of coverage options so you do not have to keep submitting your personal information to individual agencies.  Learn how you can benefit and find low-priced insurance with comprehensive coverage. 


Submit Your Information Once


Have you ever set up an appointment for an auto insurance quote?  When you visit the agency, it can take an hour just to discuss the type of coverage you want.  After all of that time, you may end up receiving a quote that is higher than what you currently pay.  Time is money in today’s business society.  You can submit your personal information and your vehicle information just once and receive all of the quotes you need to make the best decision for your situation. 


Choose the Right Amount of Coverage


In the state of Pennsylvania, all drivers are required to carry a minimum amount of insurance to pay for damages and injuries when they are negligent.  All drivers must have no less than $15,000 per person and $30,000 per accident of Bodily Injury coverage.  These drivers must also carry $5,000 per accident in Property Damage cover to pay for damages to a third-party vehicle.  When you consider the cost of medical care and vehicle repairs, these limits are not always sufficient.  When you receive quick quotes through one agency, you can compare several different liability limits so you are not stuck with the bare minimums if you are involved in an accident. We even offer the newest “ratelock” option from Erie Insurance. This option allows you the choice of locking in your rate to avoid any surprise rate increases in the future.


Choose the Policy and Pay


Once you review all of the coverage options that are included in the quick quotes you can decide which policy you can afford.  Simply tell the agency which quote strikes your fancy and then discuss payment arrangements.  After you make your first payment and select your policy effective date you can request an ID card.  Switching from your old insurance to a new insurance provider has never been easier. 


Stop paying too much for your auto insurance because you do not have time to schedule appointments at your local Bradford agency.  If you want to switch insurers so you can save money, get 10 quotes at once and you are bound to find a policy that will meet your needs.  Never sacrifice quality coverage for affordability when you are trying to save money.  Choose liability limits that will protect your assets and give you peace of mind while you are on Pennsylvania roadways.  Request your quick quotes today and discuss the options with the agency so you know what you are paying for.