Monthly Archives: December 2015

Top Tips for Buying a Car as a Gift

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Buying a car as a present is an incredible gesture that will likely delight the recipient and grant you the title as one of the best gift givers that ever lived. Although the process of gifting a car sounds straightforward enough, there are actually complexities that could arise during the process that you must be aware of.

Title Tips

In Pennsylvania, you will need to likely transfer the title in order to give the car as a gift—especially if the present is a surprise. If you put the car in your name, both you and the recipient will need to complete the title transfer paperwork at your local Bureau of Motor Vehicles. On the back of the current title, the new owner will need to provide her name, address, and signature. Any lien holder information must also be submitted at time of transfer.  

Registering the Car

In Pennsylvania, vehicles received as gifts are not subject to sales tax as long as the recipient can prove that the purchaser of the car paid the required taxes. At the time of registering the car, the recipient will fill out an Affidavit of Gift available through Pennsylvania’s Bureau of Motor Vehicles. This form will prevent the sale from being referred to the state’s Department of Revenue for investigation.

Insuring the Car

Finding a personal auto insurance agent serving Dunmore, Pennsylvania needs to be on your list of things to do when buying a car as a gift. Although purchasing a car as a gift is a nice gesture, financial obligations do not end once you hand over the title. A question to consider is who will be responsible for paying insurance premiums once the car is gifted to the recipient. In either scenario, you can contact Rodgers-Olver-Polley, Inc. in order to discuss personal auto insurance coverage options. Taking care of the insurance details ahead of time will make your loved one even more grateful for her amazing gift.

3 Common Small Business Risks

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Owning a small business can be immensely rewarding. However, doing so often comes with a whole host of additional risks. Here are three common ones to be aware of.

Risk #1: Property Damage

You’ve worked hard to build up your business and gather the tools you need to get the job done. But sometimes fire, theft, vandalism, or a weather incident leave you in a position where replacing items or rebuilding is your only option.

Property damage is one of the most widespread small business insurance risks. The easiest way to protect yourself against it is by having adequate insurance coverage. Work directly with your agent to determine which items can be listed under a blanket policy and what specialty ones need individual riders. Be as detailed as possible during the process to ensure nothing is missed.

Risk #2: Worker Injury

If you have employees, the chance of a staff member becoming injured while on the job is always possible. Help reduce the risk by placing a strong emphasis on workplace safety. Furthermore, make sure your worker’s compensation insurance is current and reflects the number of workers your firm employs.

Risk #3: Liability Incidents

Liability incidents are another risk that small businesses face. Each time a customer, delivery person, or someone else who isn’t a direct employee steps on your premises, your liability risk is increased. Furthermore, it is possible for your staff to create liability risk if they engage in work activities away from your office. (For example, a lawn care business working at a client’s home.) In addition, it is also important to remember that liability extends far past medical bills and injuries. Damage to other people’s property is also included.

Protect your business against the unexpected. Contact our team at Rodgers-Olver-Polley, Inc. today for more information on commercial insurance options.

What To Do Once You Witness A Crash

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As you are driving along the roads, you may witness a crash. It could be as simple as someone rear ending another person, or something much more severe. There is much that you can do as a witness – and it has the potential to make a big difference in the lives of everyone involved in the crash.

Call 911

This is probably one of the biggest things that you can do once you witness a crash. Don’t assume that other people are going to call. This is often what happens – everyone thinks that someone else is going to call for help, and then no one does. The sooner you call, the sooner help can get on its way.

Talk to the People in the Cars

There may be a lot of confusion going on. Many people cannot get out of their vehicles after crash because they are stunned or the doors are sealed shut. Simply by going over and talking to them, you can call them some of their nerves. You may be able to get them out of the car, otherwise you can let them know that help is on the way.

Stabilize Cars

The cars may still be in drive and the ignitions may still be on. You can stabilize these by turning the ignition off so that they are not going to move forward and causing further damage. If the cars are in the middle of the road, use caution – and see if there are others to help you move the cars to the side of the road.

Provide a Statement

Once the police arrive, you can provide a statement as to everything that you witness during the crash. Your contact information will then be collected and shared with the victims as well as the insurance companies as a witness.

Call and speak to one of our agents at Rodgers-Olver-Polley Inc. now. With our experience, we can help you to find an affordable auto policy with all the coverage you need to enjoy peace of mind on the roads of Honesdale and throughout the state.