Liability Insurance of Pennsylvania – Bodily Injury and Property Damage

Liability Insurance of Pennsylvania – Bodily Injury and Property DamageLiability provides protection to you or anyone driving your car with your concern. When any claim is made against you by a third person labeling you to be responsible for the accident caused, this coverage will make payments to him on your behalf, if found that your vehicle is involved and resulted in injury or damaged any of the property of the third person. In addition, it will also provide legal support and will defend you when a law suit is filed. Hence do not reduce limits on your liability coverage.

Minimum limits mandated on bodily injury liability coverage for third-party by Pennsylvania’s Vehicle and Traffic Law are:

  • bodily injury of $15,000 for each person or $30,000 for causing death due to any injuries, sustained in an accident by one person
  • bodily injury of $30,000 for two or more in one accident or $60,000 resulting in death of two or more persons due to injuries from one accident.

State law also requires a minimum of $5,000 for any damage caused to vehicle or it’s parts or any damage to the property during an accident. Thus the minimum liability limits in Pennsylvania is referred to “15/30/5” or “$15,000/$30,000/$5,000”.

For any bodily injury or property damage caused during an accident, if it is due to other driver’s negligence then you can claim under the other driver’s car insurance policy, where the automobile insurance policy provides coverage for each person involved in the accident and hence a liability coverage. However, when an injured person in your vehicle is your spouse unlike the purchase made, you need to opt for Supplemental Spousal Liability Insurance. Remember, your wife is still eligible for No-Fault as discussed above. Hence, it becomes necessary to check with your insurer or the insurance agent much before buying a car insurance policy.

Inexpensive Homeowner Add-on

InExpensive HomeOwners Add-OnBackup of Sewage and Water Damage Coverage: Most of the home insurance policies do not include this coverage but as a rider it can be purchased . This won’t cover physical loss caused directly due to insurer’s negligence but covers water damage or sewage or drainage blockage resulting from floods.

Credit Card, Forgery, Fund Transfer and Counterfeit Money: This provides coverage to instances such as loss incurred due to forgery or theft, swapping of check, misuse of credit cards by an unauthorized person, funds transfer made electronically and many as such. This pays for the legal obligation up to a certain limit.

Personal Property Replacement Cost and Special Personal Property Coverage: This provides security for those losses incurred by personal property and gets paid only for it’s replacement cost but not the actual cash value. The Special Personal Property coverage on your home insurance policy covers all risks due to few named perils certainly with exceptions.

Claims

Any insurance company will be happy to assist you and guide you in knowing about your insurance policy, it’s terms and conditions much before you sign a bond with them. It is very important for any person to know about claim procedure, cancellation, renewal or issue of new policy. If any claim is made against your policy, it takes 45 days for the policies in effect to be canceled or renewed or even to increase premium. Claims has its own defined set of rules and conditions and it differs from one company to another. Make sure to check with your agent before you sign a bond and make a claim. If multiple claims are made then the companies may prohibit the surcharges. You can make claims on add-ons provided you have enough proof and help the insurance company with every required detail for the loss incurred.

Did Towing Damage Your Car?

Did Towing damage your Car?Instances such as your vehicle in no parking zone, violation committed, caused an accident, your vehicle is immobile and needs a repair or mechanic to look upon. For all the above, towing comes as a rescue. But what when a towing process itself damages your car? Do you have to bare the expenses? Will your car insurance company pay for it? Many questions, answered below.

Usually, few car insurance companies accept such damages under their collision coverage, if the insurer has opted for collision coverage. It generally covers any damage which occurs to your vehicle due to collision, caused either by another vehicle or object. But the collision coverage is a deductible where deductible is that amount which you as an insurer will have to pay out of your own pocket much before your insurance company hops in.

To Do!

When you are at the towing company to pick your vehicle or as soon as it is dropped by towing truck into a mechanic shop or service station, check thoroughly for:

  • scratches
  • tires if deflated
  • dents
  • worn out paint
  • any trouble with alignment of car

Take pictures immediately or a video if in case of any damage mentioned above. If possible collect some witness statements which can help you in making your claim process easy and quick.

Successful Claim

Every state and it’s municipal corporation has definite set of rules on how a towing process has to operate. As towing are independent operators, not all state municipalities agree for the claim, only few encourage the submission. Some times the towing company itself will agree in paying for the claims made. However, you will have to keep your car insurance company updated. If the towing company does not accept your claim then you can work through your car insurance company. You can file a complaint, raise a legal action to collect money for repair of the damaged. At times, the towing company will negotiate between the parties, your insurance company, truck operator, insurance company of towing company.

How Familiar Are You With Different Policy Forms ?

Different Policy FormsThere are different types and forms of home insurance policies for every type of house you live in. Not all Wyoming home insurance companies offer all the forms. It differs from one company to another. Hence, it becomes important to carefully read, verify and then sign on dotted line.

  • Homeowners Basic Form: Any damage due to windstorm, hail, theft, fire, riot, malicious mischief, smoke, glass breakage, personal liability and damage from vehicles is covered under this form.
  • Form 2: Homeowners Broad Form: Certain perils such as floods, earthquake, freezing, building collapse, accidental water damage, falling objects, snow, ice, bursting of heater pipe, personal liability and damage in internal plumbing are covered under this form.
  • Form 3: Homeowners Special Form: To offer more protection than form 2 by covering few exclusions such as damage to garage, or other structures and personal property loss. This is definitely more comprehensive than form 2.
  • Form 4: Tenants Form: A form for tenants which covers all perils from form 2 and also personal liability.
  • Form 5: Homeowners Form: This forms offer coverage to any damages to your personal property, its content , certain exclusions and also covers few structures and much better offering than form 3.
  • Form 6: Condominium Homeowners Form: This form is specially for condominium owners. It covers personal property, contents inside condo, liability and also portions of your building. It also covers perils from form 2.
  • Form 8: Homeowners Older Home Form: If living in a old house built really a long time ago, then form 8 covers for you. If you are the owner of a old house feel proud with home insurance for it with form 8.

Getting Your Car Insured in Vermont

Car Insured in VermontHighest car insurance costs are recorded in the state of Vermont with factors contributing to the high cost. Being a populated state, specially with more drivers in the urban areas and hence more number of accidents. Vermont is an expensive state with higher cost of living, so will the medical expenses, car repairs and the cost of litigation. The state has more of bodily injury and property damage claims when compared to other states. With increase in claims, cost of your car insurance policy also increases.

How is Your Premium Calculated?

Be it any person driving on Vermont roads will need a car insurance. This is made possible only if you put little of your time into a research on how things work around your car and the insurance company. Few factors are considered by every insurance company before deciding on your premium rates. Type of vehicle, model, location, buy, driving experience, if any violations or tickets, your marital status and many more. Certain factors will be termed as risk by few companies which will be crucial in determining your premium rates. Know what the insurance company will look into and work on those factors to benefit yourself. You can estimate a premium and then decide on the best insurance.

Registering Your Car

Are your important and required papers not in order ? Then registering your car can get difficult and tricky in Vermont. It is you who will have to bare the circumstances and heavy cost if anything is found against the rules resulting in issues. In order to get your car titles in Vermont, your car should be damage free, if required should be repaired and not left undone to avoid the repairable cost. Such vehicles will under go an inspection and will be determined if it’s worth to be on the roads after a count on number of repairs. Vermont car insurance companies do provide good benefits, greater discounts and apply surcharges to their feel best factor. It purely depends on you to look for the best car insurance company suiting your requirements.

Home Insurance In Short

  • Home Insurance In ShortIf a tree falls – A standard home insurance policy covers damages to you, if a tree falls on your house. In addition, the policy would cover for the removal of the tree up to the policy limits they have. However, if a tree by chance falls on your property and doesn’t hit any structures or a vehicle, the home insurance policy would not cover the cost for tree removal. The cost of replacing trees or shrubs is generally covered if the loss is due to vandalism, theft and fire but not wind.
  • The family Picasso – If you collect art, antiques or other valuables, be sure your agent knows. Keep documentation of the worth of these items in a safe place. Understand the limits and exclusions of your policy and any endorsements. If you have particularly valuable items or ones where the value might be disputed, you might want to hire a reputable appraiser.
  • An act of nature – Sometimes the term, act of god is used to refer to a natural disaster such as a tornado. Most home insurance policies cover losses caused by natural occurrences, excluding earthquakes and floods.
  • Not covered – Typical exclusions of a home insurance policy are earth movement (without an earth-quake endorsement); damage caused by a sinkhole or groundwater; rot, decay, cracking or settling; defects in materials or workmanship; damage caused by vermin, insects, rodents, domestic or wild animals, or general wear and tear.
  • Mold exclusions – Many home insurance companies have added mold exclusions or limitations to policies. Insurance, by its nature, is for sudden and accidental events; mold is neither. While mold is not a large issue in Colorado as in some other states. The Colorado Department of Insurance does not have the authority to mandate such coverage but does require home insurance companies to provide very clear notice to its insureds of any exclusions or limitations.

The 65 Degree Solution to Preventing Frozen Pipe Insurance Claims in Winter

Claims and It's SolutionsMost people don’t think about keeping their home damage proof until they go to compare homeowners insurance rates and are given a sobering reminder of just how much out of pocket they actually spend each year. If this sounds like you, you’re probably presently consumed with seeking out cheap and easy ways of avoiding having to file an insurance claim that’ll subsequently boost your rates higher than you’re already forking over.

If you just so happen to live someplace where the risk of frozen water pipes in winter can lead to unpleasant watery surprises, we’ve got a great tip that doesn’t even involve you getting your hands dirty. All you have to do is keep your thermostat set to 65 degrees. Or warmer, if you don’t have an issue paying a higher monthly heating bill. But what does keeping your house warm have to do with preventing burst pipes? Everything, in fact.

If not insulated properly and if the weather dips low enough, the pipes that are located in your walls can freeze over during winter and can burst. You want to talk about being faced with higher premiums the next time you compare home insurance? Filing an insurance claim that includes broken house plumbing and flooding will do it every time. Keeping your inner walls at a minimum temperature of 65 degrees, however, can help prevent that from happening.

Saving money isn’t the only reason to compare homeowners insurance rates. Doing so on a regular basis will also keep you constantly aware of your coverage limits so that you can boost them or lower them depending on certain inherent environmental risks. Visit www.agentinsure.com to compare rates today.

This is the Season to Compare Home Insurance Quotes

Value Those DollarsWith winter making its grand reemergence into most of our lives (with the exception of those souls fortunate enough—or smart enough—to reside in places like San Diego and Miami where a long sleeve shirt can double as a winter coat) it’s time again to compare home insurance quotes. The reason? To see if you qualify for some dollar savings, but also to revisit your damage coverages. After all, cold weather can wreak havoc on our domiciles. Here are just a few things you may not have known about keeping your home safe from the wrath of winter that you probably should already know.

• Pipes can freeze. Especially if you live in a state that experiences extreme cold during winter. If you don’t want to activate your homeowners insurance plan and you’d rather not have to deal with busted pipes in the middle of a blizzard, consider some pipe insulation.

• Slippery sidewalks can cost you. You probably don’t want to imagine the kind of damages you may be forced to pay if a broken or misdirected rain gutter inadvertently gives birth to invisible slick spots on the cement walkways surrounding your home that take out unsuspecting passers-by and visitors. If you can’t keep the cement areas around your home safe, maybe it’s time to revisit your liability coverage in case someone gets hurt and decides to sue you.

• Trees can cause serious damage. As a precautionary measure, make sure that you trim any trees near your home so that there’s no damage done if snowpack causes branches to break under the weight.

It’s never too late to compare home insurance quotes. Even if there’s a blizzard raging right now, it’s better to review your coverage limits and make any necessary changes before something unwanted happens. To speed up the process, you can get instant insurance quotes day or night by visiting www.AgentInsure.com.

Got Claims? Rely on Your Homeowners Insurance Policy!

Claims on Home Insurance PolicyThough it’s every homeowner’s nightmare, when you have a good homeowners insurance policy, damage to your home becomes an inconvenience rather than a disaster. For example, when your roof has been ripped off in a severe winter storm and you know just by looking at it that this is going to take much more than a Saturday morning replacing a couple of shingles, it’s great to know that your homeowners insurance policy will cover the costs of repairs. All it takes is a phone call to your insurance agent to set everything in motion, and before you know it, you’ll have a sturdy roof over your head again… and you won’t even have to pay the bill! Of course, this isn’t the only type of damage covered: burglaries, fires, vandalism and even accidents in your home are all examples of damages that can be covered by your homeowners insurance policy.

Comparing Quotes

When you buy a new car, you probably compare auto insurance quotes from a number of different insurers so you can find the best deal. And that’s exactly how you should approach purchasing a homeowners insurance policy. Request a number of quotes to review. Besides simply looking at how much your premiums will be, you should review exactly what types of damages are covered, what the limitations of the coverage are, and how quickly each insurance company handles claims. It’s also a good idea to go online and research how other consumers rate each company so you know what kind of service to expect. Select the quote that offers you quick and quality service, adequate coverage, a realistic deductible and affordable premiums.

Securing Home Against Water Damage

Prevent Water DamageRising losses of mold damage and water damage have terrified the insurance companies. Insurance companies cast out your home if a single report related to water damage. One of the cited reasons in claims on home insurance  is water damage. One should not get surprised by the causes of it because there are many possibilities. It may be caused due to bursting of pipes, heavy rain and bathtub overflowing. If there is a leak in the roof, pipes burst suddenly, when the water flows from the washing machine, sink, or dishwasher then the home insurance might probably pay. But you should prove to the insurance company that the damages caused were beyond your control and unintentional.

What’s Covered ?

Insurers liability is often related to water damages and does  not help to the repair any of the appliances. For your appliance to be repaired you will have to pay from your own pocket. There are wide range of problems caused by plumbing. It includes from a small leaks to flooding of the house which is a big problem. It is better that the owner notify the insurer in prior if the home insurance will cover the plumbing line links. If you maintain your house properly then your home insurance company will not reject your claims with water damages. You should eliminate the opportunity to shift blame on your house as lack of maintenance.

Annual check of the entire house and necessary repair and maintenance work should be done time to time rather than checking it every month. Roof, water system, ceiling of roof and inspection of  the pipes are included. Those that are not in your hands and out of control cant be avoided but try to prevent water damages so that your home insurance will handle it. To minimize the occurrence, mold covering, dehumidifying the wet areas and drying can be done.