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Common Questions About Car Insurance In Pennsylvania

June 25, 2013 in bradford, Bradford PA, bradford pennsylvania, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, full coverage, full tort, limited tort, Pa Car Insurance

Often there are questions people have about what is required for their car insurance in Pennsylvania.  These can even include how to have the most protection for the least amount of money.  Additionally, it is difficult to understand the differences between Full Tort and Limited Tort options.  The following will attempt to answer the five most common questions about car insurance in Pennsylvania.

  1. I just purchased a new car, can I drive until I find car insurance.

The answer is a definite NO.  Car insurance is mandatory in Pennsylvania.  All drivers in the household must have coverage, even if they have their own vehicles.  It is the law.  You risk losing your driving privileges and a mandatory 3-month suspension once insurance is in place.

  1. What is the difference between Full Tort and Limited Tort options?

Just as it sounds, the greatest difference between the two is full coverage means you can receive the full amounts from an accident, including pain and suffering, but limited coverage places limits on what you will receive.  Therefore, Full Tort has a higher premium and Limited Tort has a lower premium.  Talk with your insurance agent to determine what best meets your needs because once selected it cannot change even when renewed.

  1. Why are my premiums so much higher since I moved?

Pennsylvania allows car insurance companies to charge more in areas where they have paid out more claims.  This does not mean you moved to a bad neighborhood, in fact it can sometimes be the opposite.  Vehicles that are more expensive receive damage or theft in neighborhoods where homes are cost more because people can afford the expense.

  1. I do not understand all the terms in my policy, what can I do.

The first call should be to your insurance agent.  They work with insurance policies all the time and can usually answer your questions.  If you still have questions then calling or writing the Pennsylvania Insurance Department Bureau of Consumers Services can answer questions.

  1. Can my car insurance company cancel or refuse to renew my policy?

The answer is a definite YES!  While no company can discriminate for any reason due to age, marital status, occupation, or gender they can cancel or refuse renewal for late or missed payments, suspensions, moving violations, or accidents.


Late or missed payments are one of the biggest reasons for cancellations or non-renewals.  Pennsylvania does not require car insurance companies to give a grace period.  Moreover, since most missed payments lead to suspensions it makes it quite easy for them to cancel the policy.


The best way to assure they always receive your payments on time is through automatic deductions.  Then just make sure you are never overdrawn.  This also saves you the expense of $300.00 for reinstatement of driving privileges.  Pennsylvania wants all drivers to be financially responsible.


Some moving violations, such as driving under the influence, can have an automatic suspension when you receive a guilty verdict.  As stated above a suspension is a valid reason for cancellation or non-renewal of your Pa car insurance.  Being a responsible driver means obeying all Pennsylvania laws.







Can The Insurance Company Cancel My Pennsylvania Car Insurance Policy?

June 15, 2013 in assigned risk plan, bradford, Bradford PA, bradford pennsylvania, car insurance in bradford, car insurance in bradford pa, car insurance in pa, car insurance policies in Pennsylvania, car insurance policy in Pennsylvania, department of motor vehicles, full tort, limited tort, suspensions, violations

There are many reasons why your insurance company can cancel your car insurance policy in Pennsylvania.  Moving violations, suspensions, and accidents are just a few.  Late payments and missing a payment is another, and Pennsylvania laws do not require companies to have a grace period for premium payments.  However, by law, you will still need to obtain new insurance or you risk suspended driving privileges completely.

Additionally, some insurance companies add surcharges at renewals if you have moving violations, suspensions, or accidents even if they are not your fault.  Some will even allow your spouse or teens to remain on the policy if you have a cancellation, but you will not be able to drive the vehicle yourself.  Furthermore, once cancelled, no one can drive your vehicle until you purchase replacement insurance through another company, and reinstatement is complete.

If you receive a cancellation and cannot find replacement insurance Pennsylvania has an Assigned Risk Plan that is more expensive, but does keep you on the road.  The insurance could even go through the same insurance company you have now.  This is because the commonwealth requires all companies that sell in Pennsylvania to participate in the Assigned Risk Plan.

Keep in mind that you can also cancel your insurance policy provided you have coverage to replace the plan.  However, there are some risks involved.  The greatest is that the new Insurance Company has up to 60 days to investigate all drivers in the household, if any have suspensions, moving violations or accidents they also can cancel your new policy.  Likewise, each time you receive a cancellation the next insurance company deems you a higher risk.  Eventually you would only be eligible for the Assigned Risk Plan.

Still, you may be asking a question about what you can do when faced with high premiums.  Even so, there are many reasons for your rates to be higher.  If a company has paid a higher volume of claims in some neighborhoods, they can increase rates.  If a driver in your household has moving violations or suspensions, they can increase rates.  If you or any family members have been involved in any accidents, they can increase rates.

Sometimes it is less expensive to purchase a separate policy for the person who is a higher risk.  However, you must prove to the Department of Motor Vehicles that each person has insurance. Although the company cannot cancel you because of age, marital status, occupation, or for any discrimination purposes, every driver who lives in the household must have insurance or you will risk suspension and all driving privileges.

Additionally, you can reduce the amount of insurance coverage you currently have.  Work with your agent to determine, where you could best reduce the expense of your insurance policy without reducing the benefits that you need.

Full Tort and Limited Tort are options that you select, but if you select Limited Tort, you should be aware that you are limiting you rights to full settlements if you are in an accident.  Uninsured and Underinsured coverage are other options that can decrease your premium.  However, again each loses some of the benefits found in most car insurance policies 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 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.