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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.

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.

How Can an Auto Insurance Claim Affect the Rate of My Auto Insurance Pennsylvania

The human mind is designed to ask a number of question that concern something that we are about to do. For instance, we always ask ourselves too many questions that are concerned about car insurance claims. PA car insurance claims simply because they are a part of us especially if you are a drive and pay for your car insurance in time. Car insurance claims are simply important because they are what will bail us out whenever we get involved in any car related problems such as damages and or accidents. Auto insurance claim do can do a number of things to our car insurance policy. One of the many effects it has on our car insurance is the kind of impact it has on our car insurance rates.

AutoInsuranceInPennsylvaniaThe more car insurance claims you file with your insurance company, the more your interest rates gets to increase by the minute. This is because you are becoming more and more expensive to maintain and cover. Your insurance firm will start to see you more like a liability than an asset to them. When this happens, they have to charge you more so that they too can comfortable take the risk of managing your car insurance policy. Too many car insurance claims can also lead to your insurance policy not being renewed thus forcing you to start looking for another insurance firm to cover you.

When you file for an insurance claim when the accident and or damages suffered were not your fault, the insurance firm may opt to oversee this for the first time, which means that your interest rate will not be affected in any way. On the other hand, if the accident was entirely your fault, then you can expect your interest rate to go up after filing for the insurance claim.

It is because of this kind of impacts on your auto insurance interest rate that most people think twice before they actually decide to file for an insurance claim. Most people will prefer to settle for the damage through their own pockets if the situation is not that serious. However much you avoid filing for an insurance claim, it is important to note that the previous number of insurance claims that you had filed, the natural disasters you are subjected to and the number of tickets you get can increase your car insurance interest rate by a certain degree.

Most interest rates increase will last for a number of years depending on the policies of your insurance firm.  You therefore want to be extra careful when driving and always think twice before you file that insurance claim because you never know how it might affect your car insurance interest rate. Auto insurance claims in PA were our major concern for this article. However, you cannot file for an insurance claim if you do not have a car insurance firm to cater for your insurance needs and wants. That is why you should enter your zip on top of this very website and get the best auto insurance firm in your area.

Where is the Best to Shop for Car Insurance in Pennsylvania

Various ways are available which we can be able to do our car insurance shopping. These are the platforms, which we can easily get the insurance services that we need from day to day. When shopping for car insurance in Pennsylvania, there are mainly two ways, which you can be able to do this. That is online and or offline. The major question that most people will ask is which option to go for? We say both depending on a number of things that we will be discussing below. The two differ in the mode through which one will carry out their auto insurance shopping spree.

Online shopping

This is one of the greatest platforms to do your shopping from these days. This is because it does cover a wide geographical area and you can get to shop from anywhere in your house, school, and restaurant and or even at the office. They say the online market will cover a wide geographical area simply because it is a platform where the whole world can shop from so long as there is internet connectivity where you are from. When it comes to shopping for your car insurance when you are in Pennsylvania, all that you have to do is to narrow done your search to Pennsylvania area only. It is much faster because in a matter of minutes you will be having the results readily available.

You can also get to compare different auto insurance firms in Pennsylvania by utilizing the software that is available all over the internet. Either online shopping for car insurance can mean that you do the whole process online or that you find the insurance firm online then continues with the process offline. Online shopping is best for people who have no time to shop around.

Offline shopping

This is the exact opposite of online shopping. This means that you do not get to use the internet in your quest of finding car insurance in Pennsylvania. Offline shopping includes making phone calls, mailing, and even paying personal visits to the insurance firms of your choice. It does take a while to make up your mind since you will have to wait for the response of the firms before you start to compare them out. Offline shopping techniques will be best for those people who have time on their hands. This means that it is suitable for those residences in Pennsylvania who are in no hurry to find car insurance.

The two, as we have mentioned. are the best for a particular group of people. However, as you continue to read this article, take a few minutes off your clock just to enter your zip above this site. By doing so, you get the opportunity to find out the best car insurance firms through which you can be able to get your insurance policy from. It is free thus the more reason for you to try it out.

The Implications Of IID in Relation To DWI And DUI Laws In Pennsylvania

If you enjoy a premium service of car insurance in Pennsylvania, you may have been told that anyone convicted for a second or succeeding offense of DUI is compelled to fix an IID, ignition interlock system in their automobile for a period of one year. Only after the lapse of this compulsory period, the driver will be able to claim his or her normal driving privileges. So what exactly is an IID?

CarInsuranceInPennsylvaniaAn IID is a gadget capable of reading the alcohol level in your breath. In order to measure the content, you will be requested to breathe in to the IID before starting the vehicle. This is requested to be done during intermittent time levels even after the automobile is started and being driven. If the IID detect a concentration of blood alcohol amounting to 0.025 or higher, the device will make sure that the vehicle goes in to an auto lockdown system that will last for about five minutes. In order to re-start the vehicle once the detection is done, you will have to breathe in to the device. If the device continues to measure an over the limit gauge, it will go on to a 30 minute lockdown. This will continue to happen until the blood alcohol level in your system in under control and the device is able to detect it.

The bad news is that when you are convicted for IID, you will be informed to install this device in each vehicle you own or lease. Now, imagine the high premiums you will have to pay for your car insurance in PA if you have an IID installed in every automobile you own? If the law enforcement officers catch you driving any of your vehicles without the IID after the court order is given, you will be subjected to additional fines starting from $300 as well as face the risk of spending jail time no less than 90 days.

Tampering of the IID in PA is not allowed nor should you try to get someone who is not under the influence of alcohol to breathe in to it in order to start the vehicle. Offenses of this nature are considered as criminal charges and will be duly punished. The fine can vary in such situations as high up to $1000 and a 90 day jail sentence.

The only instances in which Pennsylvania State will consider exemptions for this law is if you have been driving a vehicle belonging to your employer. However, you will still be required to install IID in any personal vehicles used by you.

In the event of the convict being unable to afford the installation of an IID, the court may consider a hardship exemption. However, to be eligible to claim this exemption the convicts’ income should be less than 200% of the Federal poverty guidelines.

Don’t take unnecessary risks when you take your valuable automobiles on the road. If you are a resident in Pennsylvania or travelling in this state, learn how auto insurance in Pennsylvania can help you in navigating these common obstacles. Place your zip in the box provided above and receive vital information on everything you need to know about Pennsylvania state laws for drivers.

Learn How Pennsylvania DWI And DUI laws Can Be Able To Impact Your Driving

This article will focus on the basic details of the DWI and DUI laws in Pennsylvania and how they can have an impact on your driving. Whether you live in Pennsylvania or intend to visit this state in the near future, you should have a good understanding of these laws particularly if you are looking forward to facilitating yourself of the exclusive benefits of auto insurance in Pennsylvania.

DUI refers to driving under the influence and DWI means driving while impaired. In addition to these laws, you will also encounter DAI legislations in Pennsylvania which refers to driving after imbibing. The laws pertaining to drunk driving in this state are quite severe and in the event of being charged you may have to seek the services of a criminal defense attorney specializing in drunken driving cases to assist you.

According to the DUI laws in PA, an arrest relating to drunken driving can lead to two types of cases. One is the a criminal court case with multiple consequences that can vary from a fine, loss of driving privilege, a direction to take part in a mandatory alcohol awareness and education program to a jail sentence. The other case involves revoking of the driving license of the person charged with driving under the influence. This will be a separate case triggered by the Department of Transportation Pennsylvania.

The punishment will depend on the level of alcohol in the charged person’s system. This is measured by the BAC index which indicates the blood alcohol level. The lowest level of charges will be enacted if you are caught with a BAC ranging between .08 and .099. If the level is identified to be within 0.1 to .159 it will be considered in the intermediate level and a BAC over the limit of .16 will be regarded as the most severe offense in this regard.

There are specific Pennsylvania car insurance laws covering alcohol related driving offenses. However, in PA it is not mandatory to obtain the SR 22 insurance if you are charged with an alcohol associated driving offense.

Another point to remember is that in PA, there will be different penalties depending on the number of drunken driving arrests you have faced. With each arrest, the severity of punishments will be graver. Typically, a DUI based arrest punishment will take in to calculation the number of arrests made within a period of ten years. For example, a first arrest with a BAC indicator of .08 will induce a probation period of 6 months including a $300 fine plus mandatory participation of a program at the Alcohol Highway Safety School. There will also be a CRN evaluation conducted in order to verify if the driver is suffering from any chronic alcohol or drug problem. If similar offenses continue for the third time and if the BAC rate indicates .16, the driver faces at least one year imprisonment along with a minimum fine of $2,500, 1 year mandatory ignition interlock, driving license suspension for a period of 18 months and the CRN evaluation as specified by the PA DUI laws.

Though it is not mandatory to get your SR22 insurance when divining in Pennsylvania, shopping around for the best deals of auto insurance in Pennsylvania is always a sound idea because it will help you in saving a great deal of money in the event of being charged with a DWI or DUO conviction. If you choose the wrong provider, you will end up paying unnecessary huge amounts. For more vital information, enter your ZIP code in the box above and we will provide you with all the information so you can compare car insurance in PA rates within minutes.

Compare Your Insurance Against DWI And DUI Laws In Pennsylvania

It is legally mandated that all motorists should carry some form of auto insurance in Pennsylvania. The most basic forms of Pennsylvania car insurance will cover the driver’s medical expenses if a debilitating car accident takes place. The driver will be eligible to make a claim irrespective of being charged at fault or not. Additional coverage and benefits are available from different agents of car insurance in PA for varying costs.

In 2004, the Pennsylvania state rewrote its DUI and DWI penalty charges by making them more stringent. The new law has divided the punishments based on a first time, second time and subsequent category list. The determination is made on the BAC ratio which measures the blood alcohol content. The legal limit in this state now matches with most other states at .08.  If you are charged with a first time offense, you will fare better than second or subsequence convicts but still have to face a penalty charge of six months probation period along with a fine of $300. This is if your BAC level indicates to be between 0.8 and 0.99. However, if the chemical test indicates a ratio higher than that implying deep intoxication you will be charged with severe penalties that can vary from expanded jail sentences to high fines between $500 and $1500.

When you have to face a first time DUI charge, dealing with it can be a life changing circumstance. However, your life can be turned in to a real nightmare if you are caught with the same offense for the second or subsequent time. It is not just the loss of your license and having to spend time in jail that will be among your worries. According to the DUI and DWI laws in Pennsylvania, being charged with drunk driving will ensure a hard time with your car insurance in Pennsylvania as well. It is most likely that your insurer will want to cancel your auto insurance policy or review it for higher rates.

So, if you have any doubts about your no fault auto insurance in Pennsylvania in the event of being convicted with a DUI allegation, it is most likely that your auto insurance company would want to drop you especially if the offense is done for the second or subsequent time. As your performance will be marked in your driving record for an indefinite time period, locating new auto insurance in Pennsylvania will be your next concern as it is going to be a costly arrangement.

Despite all this, there are still options where you can be eligible for cheap car insurance in PA. You can make use of these opportunities if you conduct some lengthy research on your own. Send us your zip by entering it at the top of this page and we shall send you all the information you require. Don’t forget, finding car insurance in Pennsylvania can be costly and difficult but it is equally important not to lose your right to be driving because you don’t have the mandatory insurance. Let us help you to find the best deal in the state.