Monthly Archives: October 2014

Motorcycle Insurance Coverage Available in Allentown, PA

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Motorcycle accidents can leave you with deep personal injuries and expensive motorcycle repairs, which is why the state of PA makes motorcycle insurance a requirement for drivers. If you are looking for insurance in Allentown, you must have at least the minimum amount required for bodily injury and for property damage to others. This is meant to both protect you and others from harm and bodily injury.

At present, the minimum motorcycle insurance required by law in PA is $5,000 property damage, $15,000 for injury to one individual, and $30,000 for injuries to more than one individual in a single accident. While these are the minimum rates, we recommend that you purchase higher levels of insurance to provide peace of mind, to protect your bike, or to protect your own self in the event of an accident. The minimum rates do not necessarily offer enough coverage to protect you fully in the event of an accident. Regardless of whether you ride with a helmet or without a helmet, our insurance agents can help you obtain at least the minimum amount of coverage.

Of course, raising the amount of coverage you have means that you will also have to pay a higher monthly premium for insurance coverage in Allentown. Our agents can help you find a balance between having enough coverage to protect yourself in the event of an accident and keeping your monthly payments rates affordable.

We offer insurance for motorcycles in Allentown. We may be able to help you bundle motorcycle insurance with auto or other types of insurance to save money. It can be helpful to speak with one of our motorcycle insurance specialists to find out more information about the minimum amount of motorcycle insurance you need under Pennsylvania law.

What Are The Most Important Features of a Home Insurance Policy in PA

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Homeowners insurance covers much more than the building you sleep in, although that is one important component. Your home insurance policy also protects your belonging, your family and anyone that comes into your home. Here are some of the key items you should look at when selecting a homeowners insurance policy.

Structures

“Dwelling” provides coverage for the primary residence on your property, along with any other structures that are physically attached to your house. Structures that are not physically attached, such as a detached garage, storage shed or guest house, are addressed under “other structures.”

Personal Property

The “personal property” section of your policy provides protection for all your belongings. If you were to take your home, turn it upside-down and shake it, most of the things that fell out would be considered a personal belonging. There may be exceptions in your policy for expensive jewelry, firearms and electronics. Boats and vehicles are not considered personal property, even though one might fall out of your garage.

Personal Liability

“Personal liability” comes into play when someone sues you. Anyone injured on your property may claim you were negligent. Your personal liability coverage, or the “medical payments” component of your policy, would provide protection in this case.

Loss of Use

In the event of an emergency, you may temporarily lose the use of your home. In some cases, such as a large fire, you may be unable to use your home for several months. “Loss of use” reimburses you for lodging and meals during this time.

Understand Each Component

Home insurance is a complex amalgamation of multiple different types of coverage. If any one of these are unclear to you, consult with one of our insurance agents. They are familiar with the different types of coverage available in Pennsylvania and how each component is applied in different scenarios.

Is Car Insurance Mandatory in Fullerton, PA

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Drivers in Fullerton, PA must adhere to the Pennsylvania’s state laws regarding auto insurance. Just as state laws require drivers to stop at stop signs, it also requires them requires them to maintain minimum levels of auto insurance. Below is a breakdown of who is required to maintain auto insurance in the State of Pennsylvania.

Drivers on Public Roads

Any drivers who take their vehicles on public roads are required to have auto insurance. The specific levels of insurance vary according to one’s license and the type of vehicle. For example, commercial vehicles are held to different standards than personal vehicles. For this reason, it is best to review insurance policies with an agent who is licensed to sell insurance in Pennsylvania. They will be familiar with the applicable laws.

Drivers on Private Roads

Vehicles that are only driven on private roads are not required to be insured, although it may still be wise to insure them. However, if a vehicle is ever driven on a public road, even if only for a tenth of a mile, they are required to be insured.

Passengers without Cars

Passengers do not need auto insurance, as long as they will not be driving a vehicle. In the event of an accident, the driver’s auto insurance should cover any medical expenses. If their coverage does not cover all of a passenger’s bills, then their own health insurance will provide additional coverage. This is why children, who are too young to drive, do not need to have an auto insurance policy.

Make Sure You Meet State Minimums

If you ever drive on public roads, make sure your insurance meets Pennsylvania’s state minimums. Contact one of our agents, and they will be happy to go over your current car insurance policy.

Get Online RV Insurance Quotes in Bethlehem, PA

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Pennsylvania is an expansive state with rustic small towns, thriving metropolitan areas, and everything in between. You might have picked up your recreational vehicle for traveling across the country, but all of the distinct regions in this state alone will keep you busy for quite some time.

If you have a motorized RV, it’s important to get the proper insurance so all the integral parts are covered, not just the automobile aspects of the RV. You typically have many aspects of a house in a comfortable RV, so it’s important that you consider those when you’re getting insurance as well.

We’re more than happy to help you find the best RV insurance quotes so you are properly protected for your trip. When you get in touch with us, we talk to a variety of companies to find out the best way to protect your RV.

Some typical features of RV insurance include insuring the contents of the RV, so that if they are lost, damaged, or stolen you don’t have to pay out of pocket to replace your items. Trip insurance is another feature so you don’t have to cancel your road trip because you are unable to stay in your RV due to damage.

RV insurance also functions as typical auto insurance, so you have coverage if you get in an accident. The basic coverage handles your financial liability, but you can also add on collision and comprehensive RV coverage additionally.

Need help understanding exactly what you need from your RV insurance quotes? Give us a call to talk with our experienced independent agents about your Bethlehem, PA RV insurance needs.