FAQ's

Why should I have more than the state required minimum coverage on my auto policy?
The state says that you must carry for bodily injury 15,000 per person/30,000 per accident/5,000 for property damage. Medical payments of $5,000 and limited tort (right to sue). Let's say you are at fault for an accident resulting in a fatality. A jury awards $500,000 for income loss. What would you do?
If I am a passenger in another vehicle that is involved in an accident, what happens with my medical coverage?
In the state of PA your first party medical coverage follows you everywhere you are. Anything to do with vehicle, your auto policy will respond first and meet the limit of the coverage then it will go to your major medical insurance plan.
How can I make sure I have enough coverage for my house?
If you haven't reviewed your homeowner's insurance policy you should take the time to do so. The replacement cost estimate could change in just a few years. Any additions or major renovations could alter the total replacement estimate.
If I am renting from another person-Should I get renters insurance and how much does it cost?
The majority of renters do not understand that their landlord is not responsible for their personal belongings. Having a basic renter's policy will provide some coverage at a very low price to protect your contents. Also, the coverage follows you worldwide!
My spouse has life insurance at work, should I get more?
If an employer offers life insurance you should take full advantage of that benefit. However, most offer very little coverage and it does not stay with you if you would change jobs or get fired. Make sure you are not underinsuring yourself!
Why is my friend paying less for auto insurance?
There are several factors that are used to rate an individual for their auto rates. Believe it or not insurance scoring has a major role in determining rates. Also, the liability limits, deductibles, discounts, and other variables may cause someone to pay less. You should review your auto insurance frequently.
Should I make an inventory of my contents at my house?
It would be a good idea to make a list of the most valuable items that you consider worth making a note of. Video tape is also a valuable tool to help with determining what contents are in a house. You are not required to make a list of items however; it does help in the claims process. Make sure you have a fire safe at your house with the most important documents!
When I rent a vehicle, should I purchase extra insurance from the company?
As long as you maintain comprehensive and collision coverage on your personal auto policy it will carry over to the rental vehicle. If there is an accident you would pay the deductible and the rental vehicle would be repaired.
If I own a business, should I purchase commercial insurance?
Commercial insurance is very important to a business owner. It provides liability to both products/services they provide. Premise liability if someone would get injured at their building. Building coverage will allow an owner to have insurance on their building if they have one. Workers compensation is another big requirement if the owner has employees.
We are getting married, what do we do with our separate policies?
Thinking about your auto policies is one of the last things you want to think about. However, it is important because changing your auto policies will reduce your rate now that you are considered married. It will make things a little simpler in the event of a claim. Schedule your wedding bands and engagement rings so they are insured so you can replace them if something would happen.
We are buying a house soon, what information would be helpful?
We would like to know about 2 to 3 weeks prior to closing. This does not always happen. The approximate closing date of buying the house, the mortgage company and the closing company or attorney that is handling the closing. Information on the house:
  • Year built
  • Updates for the house (heat, roof, and electricity)
  • Interior makeup of the house
  • Porches, decks, and patios
  • Detached garages or sheds
  • Loan amount
  • Type of house (1 story or 2 story; frame or modular)
  • Mobile home?
We just paid our premium to renew our auto and home insurance insurance policies...can we still switch?
In the state of PA-you can switch anytime. The premium the company does not use, they are obligated by state law to return the premium. However, some companies will charge a cancellation fee. Check with your agent/company to see what their cancellation clause says before you switch.