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Requirements for Pennsylvania Insurance Department for Having Your Own Car insurance

On 2008, the insurance governing body, Pennsylvania Insurance Department, had employed over 2.3 million Americans. All these people are skilled professionals who are entrusted to insure people, home, cars and businesses. This body also regulates the insurance field as it sets the rules and standards that investors are required to meet so as to be able to penetrate into the market. The case is the same when it comes to Pennsylvania car insurance. The investors must pass several hours of approved course work, pass a background investigation and also comply with continuing education requirements. This auto insurance department also states and determines the kind of products or services auto insurance brokers can offer with the interest rates and the amount of premiums that they can charge. Below are some of the requirements.

PennsylvaniaAutoInsurance* Pre-licensing. The Pennsylvania Insurance Department requires that every investor that wishes to be insurance provider to complete 24 hours of pre-license coursework. This course covers ethics, insurance laws and types of cover so as to ensure that every insurance provider is not just after the customers’ money but also aims at providing comprehensive cover to them, ensure that they comply with the law and also ensure that they offer the appropriate type of cover.

* Testing. Insurance drivers must pass the insurance examination with a minimum score of at least 70%. This is meant to ensure and maintain standards in the Pennsylvania car insurance field and keep off unscrupulous insurance providers with no insurance background from penetrating into the market.

* Background check and fingerprinting. After passing the insurance examination, the investors are required to provide their background criminal report and their finger prints. This protects the customers as criminals who may have an intention of penetrating the market just to steal from the customers will be discovered.

As a customer or driver in Pennsylvania, you are required to know all these information to help you when shopping from your insurance company. Nowadays, a lot of people are very busy and working tirelessly to make their ends meet thanks to the harsh economic conditions. This has led to a lot of people have very little time to shop for car insurance hence depend on online resources while shopping. These people depend on customer reviews and testimonials to build their confidence and trust in PA auto insurance company. The bad thing is that some companies only display the good reviews and testimonials to attract a lot of customers and to increase their sales. This has misled a lot of customers. Knowing the insurance governing body and its requirements, Pennsylvania Insurance Department, will help you to follow up on potential car insurance brokers and know all its background and current information to help you in making your decision.

This website allows you to compare the background of various car insurance companies that will help you in making a sound decision in choosing your car insurance company. You won’t need to rely on customer reviews. You will get this information by entering your zip code on top of this website.

Penalties of Not Complying With The Pennsylvania Car Insurance Laws

According to a 2009 research, 8 million registered drivers drove the state roadways. The shocking news is that only 9% percent of these drivers had auto insurance. The main purpose of auto insurance is to protect the motorists, passengers, pedestrians and properties in the event of an accident. It protects you from financial expenses incurred in the form of medical bills, repairs and maintenance costs and also damage costs. Nobody plans for an accident. Therefore, most of the drivers are found in an awkward situation since they have no or they only have little money spared to take care of them after an accident. There are a number of people that have lost their lives since they cannot be attended by doctors without making some form of payment. The Pennsylvania Department of Transport came up with stiff penalties just to curb this unwarranted behavior.

* Car insurance requirements. To comply with Pennsylvania car insurance laws, as a private driver you must maintain a continuous auto insurance coverage; coverage without any lapses. The minimum requirements are the liability cover of $15,000 per person, $30,000 per accident and $5,000 to cover property damage along with tort coverage. Drivers are allowed to select between full or limited tort coverage.

The penalties of not complying with the regulations are:

1. Suspension. Drivers that fault Pennsylvania car insurance laws are subject to suspension of their driver’s or their vehicle’s registration. The suspension may last for a minimum of 30 days or longer if ordered by a court of law. During this period, the suspended driver is not allowed to drive along the state’s roadways for any reasons and the suspended car must remain stationary. It must not be driven even with a driver holding a valid license.

2. Penalties. Non-compliant drivers are subject to very stiff fines and penalties. They must also pay reinstatement costs for their driver’s license and restoration of their vehicle’s registration. The cash fine for car insurance lapse is $300 and also other court fines may apply depending whether you are charged in a court of law or not. This is a lot of money that can b put into good use in other productive activities.

3. Insurance. The lapse in car insurance in Pennsylvania is always reported to the Department of Motor Vehicles. This will automatically lead to an increase on the monthly premiums. With the high cost of living, you would definitely not want to spend more every month. After suspension, a driver must provide a proof of insurance so as to have his license and registration reinstated. This is after settling all fines and fees that he or she is subject to and completing the suspension period.

There are various PA car insurance companies that carry out customer awareness programs on auto insurance laws in Pennsylvania. The good thing is that through their regular newsletters circulation, you will be able to even compare the insurance policies and premiums even those in your local area. To be able to get this free regular news, enter your zip code on top of this website.

Penalties For Pennsylvania Car Insurance Violations

Depending on the type of default, there are different car insurance penalties for different violations and whether you are charged in a court of law or not. There are strict Pennsylvania car insurance laws and traffic police are very vigil and always on the look-out for defaulters. The Pennsylvania Department of Insurance and the states Department of Motor Vehicles sets the rules and penalties that defaulters will face. This is not just to punish the mistake made by the motorists but also to protect them from losses and expenses caused by accidents. According to a 2008 survey, the state had 2.8 million drivers travelling its roadways but only 9% of the motorists’ population had insurance cover. These penalties were introduced to curb this dangerous and costly behavior. Some of the penalties include:

> Suspension of driver. Drivers not compliant with the Pennsylvania car insurance laws are liable to having their driver’s license suspended. The license may be suspended for a minimum of 30 days or a longer period if the motorist is charged in a court of law. During this suspension period, the driver is not allowed to drive any car for whatever reason. This may reduce your productivity since you will be late to work or not be able to deliver your goods or products to the market on time if you are in the business industry. This may lead to huge monetary losses and loss of customers or conflicts at work with your boss as you will be arriving to work late, you will also waste a lot of money to hire a taxi.

> Suspension of car. The registration of your car will be suspended too for a minimum period of one month. This means that the car cannot be driven even by a driver who is not suspended nor has a valid license. This will render the car useless for all this period reducing its efficiency and productivity.

> Fines. Alongside reinstatement costs for your driver’s license and vehicle registration restoration, non-compliant drivers are subject to fines too. The monetary penalty for lapse in Pennsylvania auto insurance is $300 with another $300 for driving without proof of insurance and more if you are not insured. You will also be charged $450 for you to restore your vehicles registration and another $50 to have your driver’s license back.

> Jail term. You can be sentenced to a jail term depending on whether you have caused a very fatal accident and charged in a court of law. You will lose a lot of time and this will interfere with your life as it may be very difficult for you to be employed after serving your jail term.

This website educates you on the penalties for Pennsylvania car insurance defaulters so as to sensitize and make sure that you are always aware of them. You will be getting the regular news and updates first hand for free by entering your zip code on top of this website.

Guidelines to Follow To Successfully File Pennsylvania Auto Insurance Claim

Depending on the car insurance cover that you have, you can file for your auto insurance claim and get full compensation despite who was at fault. Normally, what makes the claim process to take longer is because the motor vehicle companies of the drivers involved in the accident take a long time to discuss who was at fault. After the discussion, they estimate the fault percentage of each driver so as to get the amount of compensation to be made by each Pennsylvania auto insurance carrier. In Pennsylvania, holding full or limited tort coverage, a policy holder will get compensation regardless of who was at fault or due to the negligence of the other driver. The following are the guidelines that you will follow so as to successfully file your PA auto insurance claim.

1. After the accident, make sure that you check if the other driver has insurance cover. If he has exchange insurance information with the driver, this is very necessary because you will identify the insurance company or type of cover that will compensate you. If he has insurance that provides less cover than yours, file underinsured insurance claim while if he has no insurance then you should file uninsured insurance claim.

2. Call the police to the accident scene to assess it. Both of you will record a statement with the police and they will file their own report. In some instances, they may determine who was at fault.

3. Call you Pennsylvania auto insurance company preferably on the same day of the accident to report the incident, you should also send them your documents supporting your claim.

4. Mail the statement that you had recorded with the police alongside the report that they recorded to your insurance claim. The claim may take a long period depending whether the person at fault has been identified or not. Make sure that you follow up this procedure or checked with the Pennsylvania Department of Insurance to know the number of days required for one’s claim to mature.

5. Mail the same documents to the insurance company of the other driver. The two insurance companies will meet to discuss who was at fault and also to estimate the amount of compensation that each company will pay for. Make sure that you send all the documents that support your claim.

There are a lot of drivers that have filed claims but have not been successful in getting full compensation that they deserve simply because they did not put the law into good use. For you to be able to understand the law regarding filing and getting compensation, enter your zip code on top of this website and you will get regular newsletters from us that will educate you on the law and all the policies from several insurance companies in your local area displaying their claim process.

Finding the Best Lawyer for Pennsylvania Auto Insurance Claim

Not everyone understands the kind of knowledge used in car insurance policies. These kinds of people need additional helm from an attorney to interpret research and challenge Pennsylvania car insurance laws. These kinds of people not only know their insurance rights but also do not know the guidelines hence find it difficult in getting compensation after an accident. In Pennsylvania there are a lot of law firms and lawyers that are ready to take care and help drivers that have problems in filing their Pennsylvania auto insurance claim, the good thing is that they are readily available plus their services are very pocket friendly. The following are the guidelines that you will follow to get yourself the best lawyer.

* Search. The first step is to search for auto insurance lawyer. There are various places where you can find a good and cheap lawyer but the best and fast place is through the internet. This is because you will not waste a lot of time, energy and resources as compared to physically locating them. There are a lot of law firms that have developed websites that enable you to access and retrieve information from anywhere and at anytime. With the advent of technology, you will only take few minutes and the services offered on the physical premises of these law firms have also been taken online.

* Shop. Do not use websites for individual law firms. Use websites that will enable you to compare different law firms so that you can comprehensively compare the different services and prices offered. You will also be able to look for customized services and price discounts as these law firms are looking to attract a lot of customers by providing customer friendly and cheap prices.

* Choose. Choose a law firm that will not just save you extra money but will also satisfy your need. There are various kinds of tailor made services offered by auto insurance lawyer. Recently, there is a new service especially for individuals with low income that only require the individual to pay the lawyer after successful wining of the case. The payment is deducted from the compensation that the individual is settled but the lawyer’s services are paid for by the law firm. If you have low income, choose these services.

* Gather all facts. Collect all the police reports, statements that you have recorded, surveillance cameras in case the street or road that your accident occurred, eye witnesses and communication with your car insurance company.

* File a lawsuit. Follow the instructions of your lawyer to file a lawsuit.

Get all these information to enable you get the best car insurance claim lawyer. Entering your zip code on top of this website now.

Factors Married Couples To Consider When Shopping for Car Insurance in Pennsylvania

When we get married, there are a number of things that are bound to change in our lives. This is because we will be living as two people but with the same goals and targets in life. Married couples need to weigh down their options when it comes to shopping for different types of car insurance in Pennsylvania that they need in their life. For this article we will largely be concentrating on what it entails to do proper shopping for car insurance as a married couple. By this, we simply mean that there are special types of car insurance policies that married couples can take up. If not, they can easily continue with what they had before they got married.

BestCarInsuranceInPennsylvania1. The first thing that a married couple will want to consider when shopping for car insurance in Pennsylvania as a unit is how their past driving records can affect their premiums and interest rates for the auto insurance cover. If one or both of you have bad driving records, then it will be necessary to seek the right kind of help to help point you to the right direction. The kind of help that you can easily go for is to hire the services of an insurance agent. They will advice you on the benefits and negatives of combining your driving records whether they are both good, both bad and if one has a different kind of record from the other. Merging your driving records as a married couple can be beneficial as it helps you to gain bonus points in terms of discounts but it all depends on what kind of records you bring to the table.

2. Another thing that married couples need to consider when shopping for PA auto insurance is the kind of firm they wish to operate with. Do you want to go for an entirely new insurance firm or are you will to transfer one of your previous car insurance policies to the other persons insurance firm. The importance of this is that it will be a lot cheaper to get insurance cover as a married couple from one insurance firm.

3. You also want to consider how easily you can add in more people to the insurance policy you will be getting. One of the many goals that married couples have in life is to bear children. These children will someday be of legal age and they too will want to drive. In Pennsylvania, it is required that every driver to have car insurance at all times. In regards to this, the parents can be able to carry their teen’s car insurance cover under their very own insurance policy. You, therefore, want to make it a requirement when shopping for car insurance that this option is available in the future.

4. Being married means that you need to cut down your costs so that you can be able to satisfy all your needs and wants. Enter your zip on the space provided above for cheap auto insurance in Pennsylvania just for you.

Car Insurance Crimes In Pennsylvania And Its Penalties

When you do something wrong, you should expect to be punished when caught. There are so many things that adults will do that are against the Pennsylvania car insurance laws and can only be punished through the various penalties that have been outlined by the laws governing that particular sector. For this article, we take a look at car insurance related crimes in Pennsylvania. It goes without saying that the car insurance sector has not been spared as people still get to commit car insurance crimes even after seeing the kind of consequences it has on someone. Some of the crimes related to car insurance in Pennsylvania include the following:

1. More people are staging their very own car accidents and to top that, they end up filing for injuries that do not really exist. This is the most common type of insurance crime that goes on in Pennsylvania.

2. There have been reported cases of false pretence of stolen cars so that your insurance firm can compensate you especially if you had insured your car against theft related cases in Pennsylvania.

3. Another common auto insurance crime in Pennsylvania involves someone getting a car insurance policy after they had an accident or were robbed off their car then reporting the incident after their insurance policy has been approved. This means that you give false claims to the insurance firm by pretending that the incident happened right after taking up the car insurance policy.

4. Filing for a car insurance claim for damages that were pre-existing on your car long before you took up the insurance policy.

5. There have also been reported cases of people who have exaggerated on the degree of damage and injuries they accrued in the course of an accident in which they were involved in.

6. Driving with no car insurance policy

There are still so many other types of violations of Pennsylvania car insurance laws do go on in the state. It is considered a felony act to commit any of the above actions and the penalties that are related to them include:

1. A maximum of seven years or less in prison depending on the grave of your car insurance crime.

2. A total of about $15,000 in fines. You can also be charge less in relation to what you did. For example, you cannot be charged $15,000 as a fine for driving without car insurance.

3. You can also be penalized by the court to carry out a number of community service activities and or pay up court charges of a certain amount.

4. One of the greatest penalties that you will always carry with you is the shame of being caught committing a felony. You lose all the respect you had from the people around you.

To get your mind off the penalties and to much better things, do enter your zip code in the space provided just for you right above this website. By doing so, you will get results of three of the best car insurance firm that you can choose from.

Advantages and Disadvantages of Paying Monthly Pennsylvania Auto Insurance Premiums

Auto insurance is meant to protect you, your passengers and your vehicle from expenses and losses that are caused by an accident. You have to make an agreement with insurance company of your choice that through your payment they will compensate you. Most companies give you an option of paying your Pennsylvania auto insurance premiums in manageable monthly payments instead of making a huge lump sum one. With the increased need of saving extra cash monthly, here are the advantages and disadvantages of paying monthly Pennsylvania auto insurance premiums.


1. Easier on your monthly budget, making a huge annual lump sum is not manageable. Most people are on a monthly salary and their income is reduced by their monthly expenses. Therefore, have a budget on how they are going to spend their money monthly. Making small amounts each month is manageable that annual lump sum and you will pay your premiums easily with no default or lapse. Remember that in Pennsylvania, you are supposed to carry continuous insurance. Failure to comply with this will lead to fines and suspensions.

2. More flexible. Paying for your auto insurance in Pennsylvania monthly will give you an opportunity to change your auto insurance carrier when you wish to do so as compared to paying upfront. With many auto insurance carriers penetrating the market, you will sure get a discount or cheaper policy. It is good to shop around for cheaper policies so as to save extra cash.

3. Provides more liquidity. Holding on to your money for as long as possible will help you to capitalize on any money making opportunities that arise. Making monthly PA car insurance premiums will enable you to save more money and have enough money with yourself to capitalize on any money making opportunity or meet your needs.


1. It is inconvenient

2. Includes processing fees

A Guide for Filing Pennsylvania Auto Insurance Claims

With the very increasing number of motorists and vehicles on the roads of Pennsylvania, it has become inevitable to file auto insurance claim since it is difficult to avoid accidents. Pennsylvania auto insurance companies deal with certainties. If an individual has a high possibility of filing for insurance claim, that individual will be charged high interest rate. As a policy holder you are eligible for filing auto insurance but there are individuals who are not able to get auto insurance since they do not understand the procedures of filing auto insurance claim. Here is a guide instruction that you will follow when filing Pennsylvania auto insurance claim.

1. Determine if you need to file a claim or not. In the event of an accident, make sure that you exchange contact and insurance information with the other driver. Make sure that you also file a report and a statement with the police, and then assess the damage to your car. If it is a minor damage or if your deductible is higher than the repair cost, there is no need of filing a claim. Before reporting the accident to your insurance company, assess the damage first. Reporting it without filing a claim when it is documented can lead to a higher premium.

2. Document all the details of the accident, police report and statement, contact information from any eye witness and any surveillance camera. This may be very useful if the matter is taken to court.

3. If you decide to file a claim contact your PA car insurance company as soon as possible. Assess the damage and the repair cost. If found to be costly than your deductible, contact your insurance company and inform them of an incoming claim. If the accident was the other driver’s fault, make sure that you contact his insurance company.

4. Prepare to communicate with your car insurance company in Pennsylvania or the other driver’s insurer to verify the accident details and get a copy of the report and statement. Make sure that you give correct information. Your claim may be cancelled if they find out that you have given any inconsistent information.

5. Now prepare to fix your car. After your claim has successfully gone through, an adjuster will be sent to assess the damage and send you a check. Sometimes the insurance company will refer you to a repair shop that they are working with such as an adjuster and qualified mechanic to repair your car. In case you are referred to a shop and take your car anywhere else, you will have to foot your bill yourself.

These are the steps that if you keenly follow, you will be able to successfully file a claim. By entering your zip code on top of this webpage, you will be able to get procedures from different auto insurance companies and their policies entailing filing auto insurance claims.

7 Effective Ways on Saving on Your Pennsylvania Car Insurance

The latest way of saving extra cash is through Pennsylvania auto insurance. This sounds like a scam but it is not. By purchasing auto insurance, you are required to make monthly payments (premiums). Paying high premiums will make you spend a lot of money and save little cash. Getting the right insurance coverage and not purchasing additional policy which are not relevant are the first steps of saving extra cash with Pennsylvania auto insurance. The following are some of the ways that you can save extra cash with Pennsylvania auto insurance.

1. Multiple-car policy discounts. If you insure more than one vehicle with the same insurance company you will be able to save 10-25% of your monthly premium. Sometimes your home or health insurance may be offering car insurance in Pennsylvania as well. Make sure that you contact them before purchasing car insurance so as to get discounts.

2. Driving classes. Attending driving classes will save your life by giving you the skills and techniques that you will require to traverse the roadways of Pennsylvania. This will lower your insurance premium by 5-15% since you will be considered a low risk motorist since you have training.

3. Student discounts. Students who score and maintain A’s and B’s are rewarded by PA car insurance companies through low insurance premiums. If you are a parent looking for student insurance, contact your insurance company or any other insurer if they offer student car insurance discounts basing on their grades.

4. Special equipment discounts. Installing special equipments on your car like alarm system, tracker, air balloons and other theft gadgets will enable you to get low premiums and save extra cash.

5. Mileage discounts. By lowering your car use and maintaining low than 7,500 miles per year will not make your car last long but reduce your premium since you have low chances of filing for a claim due to damage of the car caused by forces of wear and tear.

6. Increased deductibles. Increasing your deductible from $500 to $1000 is one of the ways of saving extra cash. Deductible is the amount of money that will cater for the damage expenses of your car in the event of an accident. This will save you 5%-15% but make sure that you have enough money before doing this.

7. Eliminate collision coverage. Collision coverage is a policy that will fix your car in case of an accident. But if you are driving a very old car, there is no sense of repairing or replacing it when involved in an accident. Eliminate this coverage on very old cars.

Saving money is easier with Pennsylvania auto insurance. Our website enables you to get different quotes and policies offered by different companies. This will make it easier for you to compare them and look for discounts and price offers. Enter you zip code on top of this website so as to get this information.