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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.
New Jersey Auto Insurance Fraud Case Charged

New Jersey Auto Insurance Fraud Case Charged

Friday’s Post  4/27/12 –  A New Jersey man pleaded guilty on charges to commit New Jersey auto insurance fraud against a number of New Jersey Car Insurance Companies  robbing them of $2,000,000.00 in insurance fraud claims. Prosecutors charged a Chiropractor on a single count of conspiracy to commit fraud by mail, engaging in a scheme based out of… Continue Reading

Allstate Car Insurance Takes a Stand Against Auto Insurance Fraud In NY, NJ and PA

Allstate Car Insurance Takes a Stand Against Auto Insurance Fraud In NY, NJ and PA

Thursday’s Post 12.29.11 –  Allstate Budget Car Insurance Company has begun proceedings to take back over 6 million dollars from more than eighty organizations in New York, New Jersey and Pennsylvania whom were paid for allegedly fraudulent Auto Insurance claims. The action falls under the State’s RICO statutes.   Allstate Insurance Company provides both Car Insurance Quotes and Homeowners Insurance Quotes both on the interent… Continue Reading

Santa Cleared of Causing House Fires

Santa Cleared of Causing House Fires

Sunday’s Post 12.25.11 – The North Pole –  Friday 12/24/11:  In a unanimous 8-0 decision which did not surprise any on-lookers in the court’s gallery yesterday morning;  Saint Nicholas was found “Not Guilty” of causing two house fires Christmas last year. It was nearly a year ago, 12/25/2010, when Fire Departments in Pittsburgh, Pennsylvania and Trenton, New Jersey were called to put out two living room fires which were mysteriously started and very similar. … Continue Reading

NH Policy Holders Remain Silent Over Rate Revisions

NH Policy Holders Remain Silent Over Rate Revisions

Saturday’s Post 12.10.11 – New Hampshire officials have reported no complaints regarding the rate increase affecting State Farm policy holders. The rates were raised by 0.2 percent on average in August. An official of the State Insurance Department said that they have only received one query related to the increase; the misunderstanding was between a quoted rate… Continue Reading

New Law Offers Victory For Massachusetts Car Insurance Consumers

New Law Offers Victory For Massachusetts Car Insurance Consumers

Tuesday’s Post 11.6.11 –  Auto Insurance Companies must function under a new law which will no longer consider a customer’s credit history when setting car insurance rates in Massachusetts.  This is great news for insurance consumers, especially in face of the current economic times. The move is also timely since the holiday season is upon us and customers… Continue Reading

State Farm Cuts Auto Insurance Rates In Pennsylvania

State Farm Cuts Auto Insurance Rates In Pennsylvania

Pennsylvanians have reason to celebrate during this Holiday Season because auto insurance premiums are expected to go down by 1.3 percent. Starting December 26, policyholders are expected to save $16.5 million annually in the Keystone State. The move is eagerly awaited by policyholders who expect they will pay less for their monthly payments. The same reduction had been made in the previous… Continue Reading

Should Penn State University Keep its Football Program?

Should Penn State University Keep its Football Program?

Sunday’s Post 11/13/11 – I know my Blog is normally reserved for the subject of Auto, Home and Health Insurance.  Please give me a pass for deviating from the subject of insurance. Sadly; a local Pennsylvania news story has become a nationally reported tragedy.  As a parent,  no a human being – the story disgusts me.  Although over the years I have cringed reading other stories… Continue Reading

Michigan’s No-Fault Auto Insurance Rules To Change

Michigan’s No-Fault Auto Insurance Rules To Change

 Thursday’s Post 11/10/11 –  Michigan is the only state in the U.S.  that  still offers “unlimited” Personal Injury Protection (PIP) benefits for auto accident victims. The unlimited insurance coverage includes lifetime benefits for victims who have suffered extensive injuries and will require lifetime medical care, as is often the case for spinal injuries and paraplegics. This is, however,… Continue Reading

Auto Insurance Discount For South Dakota Residents Repealed

Auto Insurance Discount For South Dakota Residents Repealed

For many, many years, seniors in South Dakota have been eligible for auto insurance discounts for safe driver courses completed successfully. This is, however is set to change with the recent changes made by South Dakota legislators that repealed the state law that allowed seniors to enjoy this car insurance discount privilege. The law had previously required car insurance companies to offer discounts… Continue Reading

Little Change In the Number of Uninsured Cars In Texas

Little Change In the Number of Uninsured Cars In Texas

It is clear now that only 80 percent of motorists using Texas roads have Texas State Auto Insurance, even after the launch of  the Car Insurance verification program for uninsured cars on the Texas roadways.  There has been  no notable reduction in the numbers of uninsured vehicles since the introduction of TexasSure in 2008 across the state. The program was rolled out in order… Continue Reading