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.

Attorney

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.

 

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.

 

 

Do I have coverage for the rental car I get after an accident?

October 18, 2012 in accident forgiveness, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, collision, collision coverage, comprehensive coverage, rental car insurance, rental reimbursement coverage

Being involved in an automobile accident is a difficult and stressful experience. If your car is severely damaged and requires repairs, then being without your transportation will make it even more problematic. Since vehicles that are involved in auto accidents can often be in the shop for several weeks, having access to a backup vehicle is essential. Many people have more than one vehicle, and can use alternate transportation while their wrecked car is being repaired. For those of us without a backup vehicle available, the use of a rental car is a viable option. Certain questions are important to consider if you are planning to rent a car while your vehicle is being repaired:

 

  1. Was the accident your fault or was it caused by another driver?
  2. If the accident was your fault, does your insurance policy’s collision or comprehensive coverage include rental car coverage?
  3. Do you carry additional rental reimbursement coverage?

 

What happens if the accident is not your fault?

 

If the accident is not your fault, then the at-fault driver’s insurance company is required to provide a rental car for you to use while your vehicle is being repaired. In this case, the rental is paid as part of the other driver’s liability coverage. Some insurance companies provide a vehicle of a similar size to the one involved in the accident, while others will only cover the expense for the most economical, compact-sized car available. It’s important to check with the insurance company that will be providing the rental to see what type of vehicle they will provide for your use.

 

Even if the insurance company is only required to reimburse for a compact-sized vehicle, you can request a larger vehicle if you need one. For example, if you have a big family and require a vehicle that can accommodate a large number of passengers, you can request a larger vehicle. If you live in a rural area and require something with four-wheel drive, you can request that also. Remember that the insurance company is not required to pay for a more expensive rental, so you may have to pay the difference out of pocket.

 

What happens if the accident is your fault?

 

In Pennsylvania car insurance, rental reimbursement coverage is optional. This means that it is not coverage required by the state, but is offered by insurance carriers at an additional cost. This coverage can be purchased and added to your policy at any time, so if you purchased the initial policy without it you could always add it later. However, rental reimbursement coverage only takes effect if the accident happens after the coverage is added. You cannot add rental reimbursement coverage after an accident in order for your insurance company to cover the cost of the rental car.

 

If you do have rental reimbursement coverage, then you will want to call your insurance company as soon as possible to arrange for a rental car. In most cases, you will be able to pick up the rental car as soon as your car goes into the shop for repairs. Usually, the insurance representative handling your claim will have already made the rental arrangements.

 

 

Insurance for Rental Vehicles

 

You will have the option of purchasing additional coverage to insure the vehicle you are renting. Your rental reimbursement insurance coverage does not usually cover this added cost. However, if you have full insurance coverage on your personal vehicle, including collision and comprehensive coverage, this protection usually transfers to the rental car you are driving while your vehicle is being repaired.

 

About Rental Reimbursement Coverage

 

When using rental reimbursement coverage, there are usually two different options:

 

  1. You can rent a car from an approved provider and have the car rental company bill your insurance company directly.
  2. You can rent a car from the business of your choice and pay for the cost up front. However, you will then need to submit receipts and a claim form in order to be reimbursed for the cost of the rental vehicle.

 

Rental coverage is sold with limits. For example, a common rental reimbursement policy offers 30/30 coverage, meaning it pays up to $30 a day for 30 days or until the vehicle has been repaired or replaced, whatever happens first. If the rental costs more than $30, you will need to pay the difference out of pocket, even if you don’t use the rental for the full 30 days. Likewise, if the rental goes past 30 days, you will need to pay for the additional days out of pocket, even if the rental did not cost $30.

 

Some Pa car insurance policies have a daily limit and an overall accident amount for rental reimbursement coverage. For example, your rental reimbursement coverage may be defined as 25/750 coverage. This means that your insurance policy will only pay $25 per day for a rental vehicle and that coverage will stop once you’ve hit the $750 limit.

 

You are generally allowed to rent a vehicle that is similar to the one that is being repaired when you’re using rental reimbursement coverage. However, if you’re expecting the repairs to be time consuming, you may want to choose a lower-cost vehicle in order to ensure that your coverage does not run out before your vehicle has been repaired.

 

 

Can You Insure Someone Else’s Car In Pennsylvania?

September 15, 2012 in bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pa, full tort, Pa Car Insurance, Pennsylvania Car Insurance, pennsylvania car insurance rate, Pennsylvania car insurance rates, uninsured motorists

Each state has its own laws and reservations about automobile usage.  Pennsylvania car insurance rates are some of the lowest in the nation due to the strict state requirements for automobile servicing in order to keep a car registration.  As such, it is possible to get affordable insurance, but not if you want to use it to cover someone else’s vehicle.  There are several types of insurance but they are only available for your own car.  You cannot insure another person’s car in Pennsylvania.

 

Just like any other state, car insurance in PA is mandatory.  There are no situations in which it is legal to operate a motor vehicle if the vehicle is not covered by some sort of insurance.  There are several different types of coverage options for a vehicle, however, and each are acceptable for legal purposes.  Different auto companies or insurance lawyers can suggest which type is best, but as long as you have a single type you are fit to drive anywhere in the state.  Liability coverage will protect your property in the event that you are in an auto accident and have any type of claim brought against you.  PA car insurance laws dictate that you must have a minimum of $15,000 of coverage.  This will not cover much in the case of a serious accident (such as the cost of a vehicle and medical bills) but is more than enough for a fender-bender or broken windshield.  This must be purchased for your auto.  It cannot be purchased by someone else to cover your car.

 

Full tort coverage is automatically included in Pennsylvania car insurance rates unless the individual declares they want to waive it.  This coverage allows any resident to put in a claim against a responsible party if they have been injured in an accident.  If they do not have this coverage, they cannot make any type of legal claim without serious medical injuries.  Limited tort insurance is available and will cost less, but is not recommended due to the lack of ability to protect a person after an accident.  This cannot be provided by a third party; the policy must be in your own name.

 

Uninsured motorist coverage is another type of insurance that can be waived if a person wants minimal coverage, but if it is waived it is not possible for a party to make a claim when they have been hit or injured by an uninsured party.  The severity of the injuries will not matter; you have to have this coverage if you want to bring a claim against an uninsured motorist.  It is not possible for someone else to insure an auto that they do not own for uninsured motorist coverage.

 

A final insurance policy is wage loss coverage, the damages from not being able to work as a result of an automobile accident.  This, like all other types of PA insurance, that cannot be covered by a third party.  A person must have individual coverage for their own wages and must put in their own claim for work-related losses