When it comes to fixing a car after getting into an accident, auto insurance providers in Milford, Pennsylvania offer a wide range of options. In some cases, you may be able to obtain a non-cashless/reimbursement claim instead of using the basic cashless claim.

How it Works

A non-cashless or reimbursement claim occurs when you decide to use a mechanic who is not in the insurer’s network. When you ask for a reimbursement, it may mean that the specific details of the repairs are out of the hands of the insurer and that you are taking full responsibility for the repairs.

You can take the car to any preferred mechanic in the area, which may seem beneficial when you have a specific mechanic in mind for the repairs.

The Downsides

Although reimbursement is an option that some insurers may provide, it does have possible downsides. A key downside to consider is the expense. An insurer may have a limited amount available based on the repair estimates of the garage that works with the insurer. If that occurs, then it may be necessary to pay extra for the full cost of repairs.

Another downside is that you may not get the same quality of work. You are taking responsibility for the work, so you may decide to leave out certain repairs that otherwise would be paid for by the insurer. That can have negative consequences if the repairs are essential for the vehicle.

A reimbursement claim is an option after you get into an accident and need repairs for your vehicle. When you get a reimbursement, it means that you have more flexibility when your car needs repairs. To learn more about the repair options, contact us to talk to an independent agent.

It would be kind of difficult fitting five kids and two adults in a Honda Civic so the whole family could go to dinner at the best Italian restaurant in Milford, Pennsylvania. If you need a larger vehicle with more seating capacity, a better choice would be a mini-van or a large SUV. When you buy a car with greater cubic capacity, it does not change your insurance premium because you can stuff more people or more packages into the interior space.

A larger vehicle,with a greater amount of cubic capacity can affect your auto insurance premium because the vehicle may be safer than a smaller vehicle and sustain less damage if you have an accident. Also, at least in the case of some minivans, there is less chance of having that type of vehicle stolen, than say, a fancy red sports car.

Excluding your personal profile, and concentrating only on the actual vehicle that you drive, auto insurance companies look at a number of different factors in determining the premium for that particular vehicle.

Insurance companies will gather statistics on the claim history of the particular vehicle. While it is not always the case, bigger vehicles with more cubic capacity tend to sustain less damage in a crash with a smaller vehicle. Of course if you are tooling around in a $60,000 Escalade or an even more expensive Range Rover, the cost of repairs could be higher than average.

Safety is also a big factor. You are statistically much less likely to sustain serious injuries that result in high medical bills when you are driving a big car as opposed to a small one. So, if you drive a pickup truck with a lot of cubic capacity, you will not necessarily pay more than if you drive a little economy car.

If you would like to know what the average cost of insuring your auto in Pennsylvania is, please give us a call. An independent agent can look up that information on your car, or any car that you might be thinking about buying.

When your car is stolen in Honesdale, Pennsylvania and your auto insurance protects against theft, you may wonder about the next steps to get your claim started. By understanding the process, it is easier to feel peace of mind that you have options available.

Contact the Police

The first step of making your claim is submitting a formal police report. Contact the police and inform them of the theft. A police officer will ask a series of questions and will create a formal report. Ask for a copy of the report so that you can send it to your insurance provider.

Contact Your Insurer

After making a formal police report, contact your insurance provider about the situation. Ask to make a claim on your policy. You may be directed to a separate department to make a claim.

Submit a copy of the police report if requested. Your insurer may ask for the copy via fax or email. The exact method of providing the report will vary between insurers and their specific claims process.

Answer Questions

Answer any questions that the agent of an insurer asks. The questions will help clarify the situation and help the claims process. You may need to answer questions about the vehicle so that the insurer can calculate the appropriate replacement value for your claim. The amount that you are provided may vary based on the vehicle, the estimated replacement cost and the specific details in your policy.

Becoming the victim of theft is never pleasant, but you may be protected if your vehicle is stolen. If you are not sure about the details of your policy, an independent agent can help by answering your questions about the policy. To learn more, contact us to talk to an agent today.

Two of the available modes of payment to purchase an online auto insurance policy in Dunmore, Pennsylvania are online check and credit card. Busy people do not always have time to go into an office to purchase car insurance. The internet has made it possible to purchase a policy online, pay online, and even print documents online.

An independent agent is the best resource when shopping for auto insurance. These professionals can help you compare quotes and rates from several different providers to give you the best options for car insurance. You need to decide if you need liability coverage only or if you will also need a comprehensive policy. An agent will help you decide how much protection you need and how much you can afford. Once you have found a policy, your agent may also be able to help you set up online payments.

The convenience of paying for your car insurance online can’t be beat. You can use an electronic check, have the money automatically withdrawn from your account, or use a credit card to make the payments. Many companies also offer a plan to automatically withdraw your premium each month from your account. Often you will get a discount if you set up this type of payment plan. When you are ready to purchase insurance, our independent agent will help you determine what type and how much coverage you need and will help you find a payment you can afford. Once you have paid online and set up online payments, you will be ready to drive your car in style.

When an accident occurs and one of the drivers is a chauffeur, it may seem confusing for Honesdale, Pennsylvania residents. The legal liability may or may not be covered under an auto insurance plan in a situation when the driver was paid, depending on the policy and the details of the coverage on the car.

Employer Coverage

If the driver is part of a company, then the employer may have insurance that protects the driver from liability. The employer’s insurance will usually cover the driver so that customers of the company are not held responsible for the damages to another vehicle.

Driving Personal Vehicles

When a chauffeur is hired to drive a personal vehicle, the personal coverage on the vehicle may apply to the situation. In many cases, it may be necessary to add the driver to the policy if the chauffeur is a regular driver. If not, then giving permission to drive the vehicle on a one-time basis may still be covered under a personal policy.

Variation in Situations

Although the driver may be covered under an employer’s plan, each insurer is different and the details of any plan will vary. Reading through the details of a policy is essential to understanding when the driver is covered under a current plan and when he or she is not. You may need additional protection when hiring a driver for a personal vehicle or as part of a fleet to protect against accidents and liability.

When a professional is driving a vehicle, it may seem that worries are limited. Unfortunately, accidents can happen at any time and sometimes that might mean liability concerns arise. To learn more about protecting personal assets after hiring a driver, contact us to talk to an independent agent.

Many Dunmore drivers have a lot of gadgets in their car, from GPS to speaker phone system. While these devices make driving around Pennsylvania easier, they can also be costly to insure. Depending on whether your devices came with your car or were added later, it could significantly add to your premiums to fully cover your devices.

What Are Factory-Fitted Electronic/Non-Electrical Devices?

These days, many cars come with a wide range of electronic gadgets. GPS systems, speakerphone, and even televisions are becoming a standard in newer car models. If your car has gadgets that were installed at the factory by the original manufacturer of your vehicle, your insurance policy will typically cover these devices.

Why Aren’t Non Factory-Fitted Devices Covered?

The reason factory-fitted devices are covered is that they are accounted for in the value of your car. When you or a previous owner adds a device to your car, it will increase the value of your vehicle and the amount that the insurance company must pay you in the event of an accident. To reflect this added risk, insurance companies often require you to purchase add-ons to cover the new gadgets in your car.

How an Independent Agent Can Help

Even if your gadgets were installed by the manufacturer, it is important to check in with your insurance agent to insure that they will be covered in your auto insurance policy. Electronics and modifiers continue to evolve, and not all insurance companies are on the same page when it comes to their policies on electronic and non-electronic gadgets. Your GPS system may not be covered under every policy. An independent agent carries policies from multiple companies and can help you find an insurance provider who will offer you the best rates on the devices in your vehicle, whether they were factory-fitted or not.

To find the best coverage for your valuable gadgets, contact us today to speak with your independent insurance agent.