Get quick and friendly help with Pennsylvania commercial auto insurance coverages for trucking or mixed use commercially registered vehicles. We have experienced licensed Pennsylvania brokers ready to assist you with all of your business auto insurance questions. Submit you contact information and get fast help with how much plans cost and how soon you could […]
What are the parts that make up a PA high risk car insurance policy?
A Pennsylvania high risk car insurance policy can contain 6 parts. You may be required to purchase some, if not all, of these parts. Bodily Injury Liability Pays damages when other people are injured or killed in an incident involving your vehicle. This coverage is required in most states. Property Damage Liability Pays when you damage […]
How Are Auto Insurance Rates Calculated
How Are Auto Insurance Rates Calculated? The primary factors impacting auto insurance rates are the 6 parts of an auto insurance policy. Rates are generally based on: The coverage types you choose from among the 6. The amounts of coverage in a specific part. The amount of deductible you choose. In most cases, the higher the […]
Federal Insurance Office to look into auto insurance rates.
The USA Federal Insurance Office has initiated a study looking into the affordability and availability of auto insurance. In an April 10 notice posted to the Federal Register, the FIO says it is seeking comments by June 9 from regulators, consumer groups, industry representatives, policyholders, academia and others. Specifically, the FIO is looking for, “A […]
Non standard auto insurance-after you have an accident.
So You’ve Had an Automobile Accident As difficult as it may seem, it is important to remain as calm as possible after experiencing an accident. If someone is hurt, contact the paramedics and the police. It is always a good idea to call the police from the scene of an accident. Each police jurisdiction has […]
Insurance Company Responsibilities-non standard auto insurance.
Your Rights Under the Fair Claims Settlement Practices Regulations In general, insurance companies are required to do the following: Advise you of all benefits, coverage, time limits or other provisions of your insurance policy. Acknowledge your claim, start the investigation, provide forms and instructions, and provide reasonable assistance immediately but in no event later than […]
Auto Body Repair Shops and non standard auto policies.
Under Pennsylvania insurance regulations, an insurance company cannot require that an automobile be repaired at a specific repair shop. However, an insurance company can recommend that an automobile be repaired at a specific repair shop under certain conditions: If an insurance company recommends a particular repair shop, it must do so in writing. The written […]
Auto Insurance and Replacement Parts.
In some cases a Pennsylvania auto repair may include replacement of damaged parts with after-market parts. After-market parts are parts which are not made by the original manufacturer. After-market parts may be equal, better, or worse in quality than original equipment manufacturer parts. Although non-original equipment manufactured replacement parts can be used to repair your vehicle, […]
Automobile Insurance Fraud in Pennsylvania.
Auto Insurance Fraud Red Flags Automobile insurance fraud in Pennsylvania has historically taken several forms. The most common fraud schemes involve automobile property and automobile accidents. Automobile Property – This type of fraud most often involves dishonest auto body and repair shops and/or insureds who may employ a variety of illegal or questionable techniques including: […]
PA Non Standard Auto Insurance and credit scoring.
Credit Scoring The following FAQs will help you understand how insurance companies use your credit information and how this business practice affects the cost of your insurance: 1. What is “Credit Scoring”? A credit score is a number insurance companies assign consumers based on their credit history, such as bill paying history, the number and […]