If a driver lets their insurance lapse, a penalty must be paid. In fact, if they are involved in a dangerous road accident, they will have to pay a bigger than life penalty. They could go to jail and may lose everything they have worked so hard for all their life. We can help you, call us to speak with an independent agent in Honesdale, Dunmore or Milford Pennsylvania.

Whatever reason for the lapse, the law does not care. Do not even store a registered vehicle without minimum coverage. One day without a policy in effect is a lapse in coverage. 31 days without a policy goes onto a driver’s record.

The driver can get everything right with their company; however, the state of Pennsylvania will penalize them if they are caught having a registered vehicle without coverage. In Pennsylvania, every registered vehicle with the state must maintain at least the minimum of coverage.

This state expects all vehicle owners to turn in their registration plate through the mail at once. Even if, a vehicle is in storage or not running, the plates must be sent in to PennDOT if there is a lapse of coverage.

If they let their insurance lapse for 31 days, they must prove to the state that they did not drive the vehicle during that time. If they cannot prove this and they fail to turn in their plates, they will have to pay at least a $300.00 fine or more, and for three months, their driver’s license is suspended.

When they fix their policy, they must send proof of coverage to PennDOT and pay the $300.00 or more in penalties. Penn DOT will charge another $50.00 registration fee and another $50.00 fee for to get their driver’s license returned.

Contact an independent agent in Honesdale, PA. We also cover the areas of Dunmore and Milford.

If a person has a snowplow for their own personal use, business insurance is not required if plowing their own land. If they venture into the public domain, they need to get good snowplow insurance. Taking for granted the individual as a full coverage auto insurance, this policy will cover any damages done on the person’s property while plowing snow.

If the person has a private snowplow business, it is their responsibility to get one of several different types of coverage. This insurance will protect their equipment and the personal property of others while performing their job. It will protect any bodily injuries to the owner and others while plowing.

Anyone who operates a snowplow business will need to purchase a commercial policy. If a snow plow owner lives in the area of Dunmore, Honesdale, or Milford Pennsylvania area, we can help owners purchase the right policy to suit their need. Give us a call and an independent agent will help them in a business auto policy. What the owner will find is that a policy of this sort will include property damage, medical expenses, legal fees, repair of damages, and replacement of property including vehicles damaged during plowing.

An agent can explain the seasonal policy, or stand alone policy. It is necessary to purchase a commercial auto policy first and then a snow plow policy. An independent agent may help to reduce premium costs by adding snowplow coverage into a general liability policy. Owners should be sure to check the type of vehicle they use in their business. Some vehicles will not qualify for a commercial policy.

Contact us in order to speak with an independent agent in the area of Dunmore, Honesdale, or Milford, Pennsylvania, today.

An important part of our job as your independent agent is to make sure you get the right type of insurance coverage and get it at the most affordable price. Most Pennsylvania residents need more than one type of insurance. Some people want life or medical insurance. You probably need a policy for your car and you may also need to have your home insured.

If you have a home in Honesdale, drive in Dunmore, or move to Milford, you are going to need to buy insurance. No one wants to pay more than they have to in order to be properly insured and we can help make sure that you save on your insurance. One of the ways that you can pay a little less for all of the coverage you need is to buy both auto insurance policy and home insurance policy from the same carrier.

Depending on the particular carrier, you can save anywhere from five to ten percent off of your combined monthly premiums when you choose to purchase both home insurance policy and auto insurance policy from that one carrier. For many people living in Pennsylvania, this is a smart way to go.

As a word of caution, you should still shop around with a number of different carriers to get the absolute lowest rate on the two different types of policies. If, for example, you find an insurer who will charge you $800 to cover your car and $1,200 to cover your home before a discount and then take off ten percent when you buy both, your net cost will be $1,800.

If you shop around and find auto coverage from one carrier for $600 and home insurance for $1,000, you would be better off buying separate policies from the two different carriers. It is not always easy to figure out the best deal and that is why we are here. As your independent agent, we will sort through all of the details and help you make the wise choice.