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November 6, 2015 in auto insurance, Bradford Car Insurance, car insurance in bradford, car insurance in bradford pa, home insurance, homeowners insurance, homeowners insurance companies, homeowners insurance policy, homeowners insurance quotes, homeowners policy, Homeowners quotes in Bradford, Homeowners quotes in bradford pa, homeowner’s insurance increases

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New Laws Affect Car Insurance For Teen Drivers In Pennsylvania

June 30, 2013 in bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, learner’s permit, Pa Car Insurance, suspensions

There is now a mandatory requirement for teens to have Pa car insurance.  They also must take a minimum of six-months to build up skills before taking the road test.  This includes a minimum of 65-hours of certified behind-the-wheel skill building.  In addition, there are 10-hours certified nighttime behind-the-wheel driving hours; and 5-hours of certified bad weather driving.  These laws are because Pennsylvania wants teen drivers to be safe drivers.

Additionally, an adult must be 21 or older to teach a teen to drive.  The students permit will be valid for one year.  After that period, a new permit is required.  When a student is behind the wheel, the number of passengers cannot go over the number of seat belts in the car.

All learner’s permit holders are under the same laws as licensed drivers.  Additionally, they must have completed all required skill training, from an instructor, before they can receive their junior license.  Pennsylvania laws now require all drivers and passengers to have and wear a seatbelt.  The seatbelt must have the correct adjustment and fastening.  Failure to obey the seat belt law is a major offense and any driver stopped will receive a ticket.

There is a mandatory 90-day suspension for traffic speed convictions exceeding 25 miles per hour or more over the posted speed limit.  There is a suspension for six-points or more that are accumulative.  For example, two tickets of 3-points each would mean a suspension.  This is very important to note because a suspension means it will be difficult to get or keep car insurance.

Pennsylvania laws are important and should have a discussion between parents, teens, and an insurance agent prior to beginning the driving experience.  This would be Pennsylvania laws about car insurance that is a requirement.

If the family member is 16-18 and has a junior license, they need car insurance for a new or used vehicle in Pennsylvania.  At the time of the purchase, you register with the state, and proof of insurance is required before driving anywhere.  If the car will have a registration separately in the teen’s name, the car insurance could then be a separatepolicyholder coverage only if deemed appropriate by the parent.

Find an insurance agent that can give you some ideas about Pennsylvania laws on car insurance for younger drivers.  Being financially responsible is a primaryissue that needs additional discussionwith parents, the teen driver, and the insurance agent.  Teens need to know they are going to be responsible for gas, car payments, car insurance, and maintenance.  They also must follow Pennsylvania laws for driving.  The Department of Motor Vehicles guide can help all drivers gain the knowledge of the laws pertaining to car insurance in Pennsylvania.

Pennsylvania Car Insurance – Rights Of Drivers

May 28, 2013 in bodily injury liability, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, driving without insurance, full tort, limited tort, pennsylvania department of transportation, property damage liability

In Pennsylvania, drivers have to meet financial liability responsibility requirements.  You must have liability insurance or self-insurance to drive a vehicle.  We all know accidents are costly.  The Pennsylvania Department of Transportation wants to know its drivers will have the means of payments for expenses that occur.  Covering the costs of both vehicles and injuries that occur in most accidents with insurance coverage in the policy they chose.  There are many things to think about when it comes to car insurance.  Some insurance companies offer a single limit of $35,000, which meets the liability for bodily injury and property damage minimum requirements.

“Tort” a legal term meaning a private or civil wrong or injury which the law provides a remedy in the form of an action for damages.  You have choices of full tort or limited tort coverage for your car insurance policy.  The recommendation by most insurance companies is to choose the Full Tort coverage.  If an accident happens, you can bring a claim or ultimately file a lawsuit for injuries you have suffered.  Full Tort lets you collect fully, including for pain and suffering and other non-monetary damages.

Limited Tort policyholders involved in an accident can only recover very limited sums for injuries, but cannot collect anything at all unless doctors consider the injuries areserious.  It is not very clear by law what a serious injury means.  The Limited Tort choice will save you money on your monthly premiums.  However, this is the only good thing about it, so you should think about which choice is right for you.

You take a risk of an officer stopping you for any traffic violations and finding you are driving without insurance.  You receive a fine of at least $300.00 plus suspension of your driver’s license for a minimum of three months, from the time you purchase new insurance.

Additionally, there is athree-month suspension on your vehicle registration and your vehicle impounded.  While the vehicle registration is suspended, no one can drive your vehicle.  Then, restoration fees and proof of insurance must be sent before having either registration or driving privileges returned.

Making sure you have car insurance coverage from financial loss is important for you and your family.  Therefore, when you are checking the options you can choose from, you need to consider all of the protection and medical issues that could result from an accident.

Pennsylvania hasminimum required coverage that is liability coverage.  There are medical benefits for you and others that cover a minimum of $5,000.Bodily injury liability for medical and rehabilitation if someone is hurt in an accident that is your fault is also required.  This is to cover any damages if you are the cause of the accident.  The minimum is $15,000\30,000.  This means one person would be covered for up to $15,000 in medical expenses, but the maximum for an accident is $30,000 regardless of how many are injured.

Additionally, there is required property damage liability for the minimum of $5,000.  Ask your insurance agent for any further options he or she thinks you might need.  Make sure, when you are ready to sign your policy that you have read and understand everything.

Pennsylvania, Where Car Insurance Is Required

May 15, 2013 in best car insurance in Pennsylvania, bodily injury liability, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, financial responsibility, full tort, insurance agent in Pennsylvania, limited tort, property damage liability

Car insurance is a requirement of all drivers in Pennsylvania.  Drivers have to purchase and keep up the payments on the policy with the insurance company or they notify the Department of Motor Vehicles immediately.  Pennsylvania law calls this “financial responsibility” on your vehicles.

Without insurance, you receive a minimum fine of $300.00.  The suspension of your vehicle registration also means losing yourdriver’s license for a minimum of three months.  You cannot drive, nor can you allow anyone to drive your vehicle while the registration is suspended.

When you buy car insurance, there are additional options that you can add to your basic coverage.  All drivers should check with an insurance agent in Pennsylvania, so the coverage is what you need.  The following are required coverage:

  • Medical Benefits – this coverage helps to pay any medical bills for you, your family, and any passenger covered in the policy.  The minimum required coverage is $5000, but higher limits are available.
  • Bodily Injury Liability – this coverage pays medical, rehabilitation expenses, damages you are liable for in an accident for injuries you caused to others.  The minimum is $15,000/$30,000.  This means there is $15,000 for injuries to one person, but $30,000 would be the maximum available coverage for one accident.
  • Property damage liability –If you have caused damage to another person’s property there is a minimum limit of $5000 coverage required.
  • Limited or Full Tort – Tort is a legal word that means a private or civil wrong or injury.  The state of Pennsylvania sends individuals that have purchased a motor vehicle and has registered them for license plates, a letter to the driver or drivers that apply for insurance for the automobiles.  It is your choice between Limited or Full Tort liability.

In case of an accident or injury, Full Tort coverage could save your families full legal rights in court.  If you choose, Limited Tort, it would save you money on your premiums, but if you or a passenger were in an accident that was determined to be your fault, you are limited in the sums collected unless the injuries are determined to be serious.  It is not very clear by laws what a serious injury is.  Drivers need to think about paying the higher premium for the Full Tort and not taking any chances.  Once selected you cannot change even at your six-month renewals.

The coverage is optional, but very important to consider for car insurance.  As each of us knows all Pennsylvania laws are very concerned for the drivers in the state.  There are still drivers with no coverage, limited coverage, or from states where coverage is not similar.  Your insurance agent can discuss all your options when you purchase the best car insurance in Pennsylvania.

Pennsylvania, The True Cost Of Car Insurance

May 8, 2013 in Auto liability insurance, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, liability insurance, Pa Car Insurance, proof of insurance, underinsured motorists, uninsured motorists

All Pennsylvania motorists are required to have liability insurance on their car, but the true cost of Pa car insurance is far higher than that monthly payment.  It is the Law and without insurance, you will lose the privilege to drive.  The Department of Motor Vehicles requires written proof of insurance at the time of registering your vehicle.  Auto liability insurance only covers any property damage or injuries that occur in an accident.

The person responsible for the accident is the person liable and who must pay all costs related to the accident.  This includes damage to property, vehicles, and injuries to the victims of the accident.  Every owner of an auto, truck, van, or motorcycle must have at the least, liability insurance to cover these expenses.  Otherwise, they cannot drive, or allow anyone else to drive, their vehicle.  Without insurance, Pennsylvania will suspend the owner’s registration and driving privileges.  Additionally, they cannot even allow anyone else to drive their uninsured vehicle.

You need to consider having enough car insurance, regardless of the Pennsylvania minimum requirements.  The minimum requirements do not cover many of the extra costs that can run into thousands of dollars.  For example, you need enough coverage to protect your own family, and passengers as well as your assets.

While the mandatory of liability insurance meets the Pennsylvania laws, other coverage options are available for an additional fee.  You should talk to your insurance agent about some of the following to determine if any would help to meet your needs.

  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage
  • Income Loss Protection
  • Extraordinary Medical Coverage

Uninsured and Underinsured Motorist Coverage

Yes, unfortunately even with strong Pennsylvania laws, there are still drivers who have no insurance but continue to drive.  Adding this coverage to your policy will protect passengers including you and your family if you were in an accident.  This coverage does not protect against damage to property.

Income Loss Protection

This would include wages that are lost due to the injuries you sustain in an accident.  It also includes wages lost from long-term rehabilitation.

Extraordinary Medical Coverage

This coverage is vital.  It pays for extensive medical and rehabilitation expenses that exceed $100,000.  When multiple people sustain serious injuries in your vehicle, the medical expenses can easily exceed this limit.  While there is a maximum coverage of up to $1,000,000, not many accidents ever reach that amount.

There are other options, which you can add to your basic insurance policy.  Ask about any discounts, which you might be eligible to receive.  Discussing your budget will give you the information you need to make a wise decision about obtaining the best coverage for the least money.

However, keep in mind the true cost of car insurance in Pennsylvania is not having enough coverage to protect yourself from accidents, whether they are your fault or the other persons.  The best idea is to review all your options with your car insurance agent who knows what benefits will protect you in Pennsylvania.