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Category Archives: Pennsylvania Insurance

Since 1992, Michael E. Dortch and the agents of InsureDirect.com have been proudly serving the residents of the Commonwealth of Pennsylvania. Originally marketing under their State Service mark “Cheap Auto Insurance,” InsureDirect.com was the first traditional, local Insurance Agency to start marketing Auto Products throughout the state of PA. Under the moniker “Cheap Auto Insurance,’ InsureDirect.com used advertising media like Weekly Newspapers and Telephone Directories state-wide.

InsureDirect.com was also one of the first Keystone State auto insurance agencies to address the high prices of the Pennsylvania State Assigned Risk Plan, introducing specialty carriers like Progressive, Infinity, and Omni Insurance Companies. These specialty carriers generally charge much lower rates for Pennsylvania drivers with Accidents, Tickets, Violations, Suspensions and DUI.

InsureDirect.com only sells Auto Insurance Policies which meet the financial Responsibility Laws in the Commonwealth of Pennsylvania.

Auto insurance is a written agreement between you and the auto insurance company you pay premiums to on a monthly basis which protects you against a financial loss if you or a member of your household is involved in an auto accident. Automobile insurance policies contain a number of protective coverages.

Pennsylvania State Flag
Pennsylvania State Flag

You can purchase as much or as little coverage as you need as long as the coverages meet the state minimum outlined by the state of Pennsylvania. When you agree and the premium is paid, your insurance carrier will pay for the losses as outlined in the Auto Insurance Policy Form. Purchasing adequate auto insurance coverage will insure your carrier will offset a large financial amount when you are involved in an auto insurance accident and it is determined to be your fault.

The Commonwealth of Pennsylvania is a Statutory State Auto Insurance or Financial Responsibility.

Vehicle owners in the state of Pennsylvania (PA) must purchase and maintain auto insurance coverage if they want to exercise their driving privilege. Pennsylvania law calls this maintaining (financial responsibility). There are a number of penalties if a Vehicle owner who drives in the state does not consistently fulfill their obligation and maintain the State Minimum Coverage. If a lapse in coverage occurs, this may result in a suspension of your car registration for 90 days. If you can prove to the PA Department of Transportation the lapse of coverage was for less than 31 days, you can avoid this suspension as long as you did not operate that vehicle during the time your insurance coverage was cancelled.

If the PA Department of Transportation discovers you drove your car while your auto insurance coverage was cancelled, you could have your driver privileges suspended for 90 days or more depending if any other infraction took place during that time. Unfortunately; it does not stop there. You registration on your car will be suspended for 90 days as well. For the exact rules and regulations regarding these matters, contact the PA Department of Transportation or your local Licenses Tag Office.

If you operate your vehicle without insurance, you could face the following fines and punishments:

  • A $300 fine for driving without auto insurance
  • A 90 day loss of your car’s registration
  • A 90 day loss of your driver’s license
  • Charges for the return of your vehicle registration
  • Charges for the return of your driver’s license
  • Impoundment of your car

The State of Pennsylvania requires the following Financial Responsibility or Insurance Coverage.

 

Medical Benefits — Pays medical bills regardless of fault. The minimum limit is $5,000. Higher coverage limits are available.

Bodily Injury Liability — Pays others medical expenses when you are found liable for an auto accident. These minimum limits are $15,000/$30,000. $15,000 pays for injuries to one person, while $30,000 is the total available limit if more than one person is injured.

Property Damage Liability — Covers damage you cause to someone else’s property. Could be a car or other private property. The minimum coverage limit for Property Damage is $5,000.

Limited or Full Tort — You can choose one of these two tort options. Limited tort coverage is cheaper. You can still recover all out-of-pocket medical and other expenses. You may not recover or sue for pain and suffering unless your injuries meet one of the exceptions to limited tort rules. They are defined in Act 6 of 1990, title 75, section 1705 (d). Full tort coverage you have an unrestricted right to sue the at fault driver. For an exact definition or explanation on these Tort Options, consult one of our licensed agents or an attorney.

Optional Auto Insurance Coverages in the State of Pennsylvania

  • Automobile insurance policies in the state of PA offer additional optional coverages. They can be purchased for an addition premium.
  • Uninsured Motorist (UM) — This coverage applies when you are hit by an at-fault uninsured driver.
  • Underinsured Motorist (UIM) — This coverage applies if you are hit by an at-fault driver who does not have enough insurance coverage.
  • Stacking of UM or UIM — Allows you to either multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy. It costs extra to stack uninsured or underinsured motorist coverage.
  • Funeral Benefit — Pays for funeral expenses if you or a family member dies as a result of an auto accident.
  • Income Loss — Pays a portion of your lost wages when you are in an auto accident and you can’t work.
  • Collision — Pays to repair damage to your car as a result of an accident.
  • Comprehensive — Pays for theft or damage to your car from hazards including fire, flood, vandalism or striking an animal.
  • Extraordinary Medical Benefits — Pays for medical and rehabilitation expenses that exceed $100,000. It provides a maximum of $1 million of coverage.
  • Accidental death benefit — If you are killed as a result of an auto accident within 24 months of the date of the accident.
  • Rental reimbursement coverage — Pays to rent a vehicle if they have a covered comprehensive or collision loss.
  • Towing coverage — Pays towing and labor costs for a covered disabled vehicle.

Suspended Drivers License In PA For Texting

Post Date March 25, 2013 – Not only are drivers banned from texting while driving  in most states in the U.S., you can expect a suspended drivers license in PA for that offense. In addition to the ban from texting while driving, many states have barred drivers from using mobile communication devices. Even with the… Continue Reading

Texting While Driving Ban Faces Challenges

Post Date March 4, 2013 – PA Police officers who are tasked to enforce a new law prohibiting Pennsylvania drivers from texting while diving or using their cellphones while having their hands on the steering wheel expressed difficulty in implementing such law. Texting while driving was imposed in the state of Pennsylvania just a few… Continue Reading

Car Insurance Rates Studied

Post Date  February 11, 2013 – Auto insurance industry players are up against the recent car insurance rates study released by the Consumer Federation of America (CFA), saying that their study is flawed.  The car insurance rates studied were released by the consumer advocacy group based in Washington D.C. in the last week of January… Continue Reading

Auto Insurance In Pennsylvania Increases As Fraud Spikes

Post Date February 9, 2012 – The Pennsylvania Insurance Fraud Prevention Authority (IFPA) had reported recently that the number of fraud cases which effected auto insurance in Pennsylvania increased last year, hitting a new yearly high.  In 2012, there are over 3000 cases of insurance fraud covering different lines of insurance including auto insurance in… Continue Reading

Car Insurance Claims Are Pushing 230,000

Post Date January 22, 2012 – Super Storm Sandy is still causing havoc on the car insurance claims community. Regardless  how many wheels your vehicle had, be it a Car, truck, trailer, car insurance claims are being filed. Sandy hit the East Coast hard the last week of October.  Car insurance claims for all types of vehicles are… Continue Reading

Hurricane Sandy Takes It’s Toll on Thousands Of Boats

Post Date November 19, 2012 – The United States Boat Owner’s Association announced last week more than 70,000 power boats, sail boats and jet ski’s were either damaged or sunk when Hurricane Sandy his the east coast two weeks ago. Hurricane Sandy and the winds it brought to New Jersey, New York and the other states… Continue Reading

Flood Damaged Cars Illegally Sold

Post Date November 12, 2012 –  Hurricane Sandy was the most devastating storm to hit the east coast in 60 years. Both Homeowners and Auto Insurance Carriers have been adjusting thousands of claims compensating those for Flood Damaged cars and homes.  Two states out of the 9 effected by the storm had the highest number of… Continue Reading

Hurricane Insurance Deductible Waived For Homeowners

Post Date November 11, 2012 – Hurricane Sandy was the most destructive weather event in the northeast over the last 60 years.  The death and destruction from Sandy will be felt for decades.  Law makers in the effected eight states and the District of Columbia recently announced a temporary change in Homeowners Insurance Rules to help… Continue Reading

Hurricane Insurance Claims Overwhelm Both Agents & Adjusters

Post Date November 10, 2012 – It’s been a very difficult few weeks for the residents of the northeast. Aside from the billions of property damage, Hurricane Sandy also killed 119 people. Luckily for the customers of InsureDirect.com, we have had no reports of any deaths.  On the other hand, many of my Pennsylvania, Delaware… Continue Reading