Monthly Archives: February 2014

My car serves double-duty — from 9am — 5pm it serves as a “company car” and from 5pm — 9pm I use it for personal use — transporting my family around, running errands. Is there a policy out there in Honesdale, Pennsylvania to fit my needs?

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If you have a vehicle that is doing "double duty," being used in the Honesdale, Pennsylvania, area because you need it for both business and for personal use, there is a policy that will work perfectly for you. As your local independent agent, we can help make sure that you are properly covered any time that you are on the road whether it is for commercial reasons or personal ones.

The most important thing you need to do when securing your Milford, Dunmore, or Honesdale area auto insurance policy is to explain in as detailed a manner as possible exactly how and when the vehicle will be used.

The importance of crafting a personalized policy just for your situation cannot be underestimated. Many times, a personal auto policy will actually cover some business use, but you have to find out exactly which types of business use it will cover. Sometimes a personal policy will cover driving for business purposes but not transporting goods for the business, so you need to know precisely what would be included. Also, you should be aware that personal policies will allow you to cover yourself as a business driver but would not allow you to cover any other person or persons who may be in your employ while a commercial policy would.

Our independent agents in Milford, Dunmore, and Honesdale are here to help you get the car insurance policy you need. Contact us today to help select either the personal or commercial policy that will work best for you.

Can I Get Life Insurance if I am not a Citizen of the Honesdale, PA, US?

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If you live and work in Honesdale, Pennsylvania, then you may want to look at life insurance policies within the local area. The concern that may arise is whether you are covered when you are not a citizen of the state or country. When you are not citizen of the state, it does not mean you do not have options available.

Visas to Work

A work visa, a Green Card or a living visa will allow you to obtain appropriate insurance within the state, even if you are not a citizen. If you come from a different country and you have an appropriate work visa, it means that you are legally allowed to live and work within the country. As a result, you can also obtain appropriate insurance to protect your loved ones in case something happens and you are no longer providing for their needs.

Changing Residency

If you are a citizen of the country, then you can always obtain coverage. The details of coverage may vary based on your situation, but it is not necessary to wait several months until the state considers you a resident of the town before you apply for coverage.

Changing residency will mean that you are claiming to be a citizen of the city and state, even if you have recently moved and are not considered a resident on your tax documentation. In that situation, you can apply for life insurance. The insurer will want to know a few details, such as where you work, but you will not need to worry about providing additional documentation.

It is not necessary to be a citizen to qualify for insurance. If you have the appropriate documentation to prove that you are legally living in the country, then you can obtain coverage. Contact us to talk to an independent agent to learn more about your coverage options.

Can probationary license holder be listed as a nominated driver in Honesdale, Pennsylvania?

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A regular driver is the driver on an insurance policy that is listed as the main or primary driver. While other people may drive the car, this is the one driver that is likely going to be driving the most, and as such is the “regular” driver. However, if there are other people in the families who may drive the car with any regularity, those other drivers are also listed on the policy and are sometimes referred to as what are called “nominated drivers.” (While this term is not common in the United States, the concept is the same as including drivers on the insurance policy.)

One question that many auto insurance owners have is whether a probationary license holder (AKA a person with a learner’s permit) should be or can be listed as a nominated driver on a policy. The answer is not simple. Generally, you will want to inform your insurance company that driver with a probationary license will be driving. That way that company can take care of the situation as they feel is best and make certain they are following the rules and regulations of the particular locale.

Another option, that many insurance customers find is easier, is to work with an independent agent. If you live or work in or around Honesdale, Dunmore, or Milford, Pennsylvania, call or contact us and let one of our agents work with you. In addition to answering your questions about regular and nominated drivers, we can help you find the best rate–since we offer a service that enables you to view live, comparative insurance rates online. Give us a call today and let us get started helping you!

All my CDs and Tapes Were Recently Stolen from my Vehicle in Dunmore, PA. My Insurance Company Advised There is no Coverage for These Items in Either my Auto Insurance or my Homeowner’s Insurance Policy. Is This True?

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When you buy a new home in Dunmore, Pennsylvania, it is possible that your insurance is not always the best option for your needs. Although certain items may be covered, even when your home is under construction during renovations, other items may not be covered under your plan. Depending on your policy, it may or may not be true that your CDs and tapes are not covered.

Auto Policy

Since the tapes and CDs were stolen from your car, it is usually your auto coverage that would provide protection for those items. Personal belongings may be covered under an auto policy, but only if you have the appropriate plan.

Read through your policy to determine how much coverage you have available. If you have a comprehensive plan, then you may be able to replace your tapes and CDs. If you only have liability and personal injury protection, then your policy does not cover personal belongings.

Homeowner’s Policy

Depending on your homeowner’s policy, you may or may not be covered under your plan. Some insurers will only replace the CDs and tapes if your vehicle was parked on your property at the time of the theft. Other companies may cover the loss, regardless of the location of your vehicle at the time the CDs were stolen. In most cases, thefts from your car would be applied to your auto coverage rather than your homeowner’s policy, so it is possible that your insurer will only replace the CDs if your car was on your property.

Since every policy and the details of a policy can vary, you may or may not be covered for the theft of your CDs and tapes. Contact us to talk to an independent agent for more details.