El Vehículo de Motor de Pensilvana Ley de Responsabilidad Financiera. Una enmienda echa para esta ley en julio 1, 1990 por el acto 6 para atentar reducir las tarifas altas para los seguros de autos y bajar esos que conducen sin seguros de autos. El acto indica que un propietario de un auto es requerido que enseñe “responsabilidad financiera” al tiempo de registracion.

Responsabilidad Financiera. La habilidad de responder con libertad en cuenta de un accidente en virtud de la cláusula sí el mantenimiento o la utilización de un vehículo de motor. Esto básicamente significa que usted es responsable por los daños o heridas de otra persona o la propiedad de esa persona en ese momento.

Responsabilidad Mínima de Pensilvana. Los mínimos limites de la Responsabilidad en Pensilvana son $15,000 para una persona en un accidente; $30,000 por heridas a una o más personas en un accidente; y $5,000 de daños en una propiedad de otra persona en un accidente.

Responsabilidad de Heridas. Le paga a otra persona si usted es responsable de las causas de las heridas. Esto incluye gastos médicos y gastos rehabilitación, y otras heridas.

Responsabilidad de Daños de Propiedad. Paga a otra persona si usted es responsable por los daños de la propiedad de esa persona.

“Limited Tort”. Limita su poder para poder demandar.

“Full Tort”. NO LIMITA él limite de usted poder demandar. Esto significa que usted puede colectar daños específicos y daños no-económicos. “Daños Específicos” son daños como médicos y perdida de ingresos. Daños no-económicos son daños que son relacionados con dolor.

Beneficios del Primer Partido. Son beneficios que son pagados a usted. La lista siguiente tiene los beneficios del primer partido:

• Beneficios Médicos: Servicios necesarios médicos y servicios de rehabilitación son pagados sin importar de quien sea la culpa del accidente.
• Beneficios Médicos Extraordinarios. Gastos Medico y gastos de rehabilitación en exceso de $100,000; y es opcional la cobertura que puede ser comprada en $100,000 incrementos hasta 1,000,000. Los pagos son limitados a $50,000 por año durante los primeros 18 meses siguientes de un accidente.
• Beneficios de Ingresos Perdidos. Estos beneficios paga la perdida de ingresos si usted es lastimado en un accidente de auto. Esto es una cobertura opcional y es limitada al 80% de la perdida de ingresos de hasta $2,500 por mes y hasta un máximo de 50,000. 5 días de espera es aplicado para este benéfico.
• Beneficios Funerarios. Paga por los gastos funerales si usted se muere en un accidente de carro, dentro de 24 meses del accidente. Por ejemplo si usted es hospitalizado y muere ante de 24 meses será cubierto.
• Beneficios de Muerte Accidental. Básicamente lo mismo que beneficios de funeral, excepto que si la muerte accidental fuera a pagar, la cantidad máxima seria de 25,000 en ves de $2,500 con el beneficio funeral.
• Motorista no-asegurado seguros. Esto cubre los gastos de heridas causada por alguien cual no tiene seguro de auto. Es opcional la cobertura que es requerida por la ley para ser firmada por cobertura que han sido aceptada o no aceptada.
• Seguro Insuficiente (underinsured)  de Motorista. Esto paga por las heridas causada por el motorista cual tiene un seguro que esté muy bajo. Esto, como MN, es opcional.
• Apilar (Stacking). Esto significa que en el mismo accidente, la cobertura es limitada en una suma de no-cobertura, limita la cobertura de los limites de los motorizados en su póliza. Un ejemplo puede ser alguien quien asegura a dos vehículos en una póliza con MN y UIM de $100,000 por cada uno, después, cada carro va hacer asegurado hasta $200,000 en el caso de los eventos MN UIM.
• Choque Comprensivo. Esto significa que cualquier tipo de perdida que no sea la de un choque. Algunos ejemplos son objetos que caen, fuego, y robo.
• Cobertura de Choque. Esto puede ser definido como un auto estrellándose a otro auto.
• Gastos De Transportación. Esto provee con gastos de transportación temporarios, como asta $50 por día por un máximo de 1,500 en total por el evento. Como si su auto es robado dañado y otros eventos y casos.
• Cobertura para pagos de Prestamos. Esto paga la diferencia entre lo que usted debe en el carro y lo que el seguro paga si dectimina que el carro es una perdida después del accidente o si el carro es robado y no pudo ser recuperado para atrás después de aplicar el deducible. Necesita “comp.” Y “cobertura de choque” para poder obtener cobertura de pagos de presta.
• Reparación de colisión de Cobertura de Reemplazo. Es aplicada a vehículos dentro de cierto años, causualment 5 años. Los 5 años son aplicado desde el mismo día de la firma de la póliza. En el evento de colisión del auto con esta cobertura, la compañía pagara por los reparos de su caro con las mismas piezas o iguales. Como otra cobertura hay un deducible de $500 usualmente.

Si usted tiene una pregunta o quiere información puede contactarnos GRATIS!

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The Pennsylvania Motor Vehicle Financial Responsibility Law (PMVFRL) – An amendment was made to the PMVFRL on July 1, 1990 by Act 6 to attempt to reduce the high rates for car insurance and lower those driving with no auto insurance coverage. The act states that an owner of a vehicle is required to show “financial responsibility” at the time of registration”.

Financial Responsibility – the ability to respond to liability on account of accidents arising out of the maintenance or use of a motor vehicle. This basically means that you are liable, or responsible, for damage or injury to another person or their property in the event of an accident.

Pennsylvania Minimum Limits of Liability – the minimum limits of liability in Pennsylvania are: $15,000 for bodily injury to an individual in any one accident; $30,000 for bodily injury to two or more people in an accident; and $5,000 damage to property owned by another individual in an accident.

Bodily Injury Liability – pays others when you are responsible for causing injuries and includes medical and rehabilitation expenses, and noneconomic damages such as pain and suffering.

Property Damage Liability – pays others when you are responsible for damage to their property.

Limited Tort – limits your right to sue to “specific out-of-pocket” expenses. The exception is cases involving serious injury or death, in which you can sue for pain and suffering.

Full Tort – DOES NOT limit your right to sue. This means that you could potentially collect both specific damages and also noneconomic damages. “Specific damages” are damages such as medical expenses and loss of income, while “noneconomic damages” are ones such as pain and suffering.

First Party Benefits – are benefits that are payable to you. The following is a list of First Party Benefits:

- Medical Benefits: reasonable and necessary medical and rehabilitative services and are paid regardless of fault.

- Extraordinary Medical Benefits: medical and rehabilitation expenses in excess of $100,000; and is an optional coverage that can be purchased in $100,000 increments up to $1,100,000. Payments are limited to $50,000 per year during the first 18 months following an accident.

- Income Loss Benefits – pays loss of income to you if you are injured in an auto accident. This is an optional coverage and is limited to 80% of loss of gross income up to $2,500 per month and up to a maximum of $50,000. A 5 day waiting period applies to this benefit.

- Funeral Benefit: pays the funeral, burial, or cremation expenses if you die in a car crash within 24 months from the date of the accident (an example would be if you are hospitalized as a result of the crash and you die while hospitalized less than 24 months after the date of the crash).

- Accidental Death Benefit: basically the same as funeral benefit, except that if accidental death were to pay, the highest amount possible is $25,000 instead of $2,500 with the funeral benefit.

Uninsured Motorist (UM) insurance – this pays for bodily injuries caused by an uninsured motorist, or someone who does not have auto insurance. It is optional coverage that is required by law to be signed as either accepted or rejected coverage.

Underinsured Motorist (UIM) insurance – this pays for bodily injuries caused by a motorist whose insurance policy carries bodily injury limits that are too low. This, like UM, is an optional coverage and must be rejected if not desired.

Stacking – means that in the same type of accident, coverage limits would be the sum of the uninsured or underinsured motorist coverage limits for all of the autos insured under the policy. An example would be someone who insures two vehicles on a policy with UM and UIM of $100,000 for each car, then each auto would be insured to up to $200,000 in the event that UM or UIM must be used.

Comprehensive coverage – comprehensive, also known as “comp” or “other-than-collision”, means any type of loss that is not collision. Some examples include falling objects, fire, theft, and hail.

Collision Coverage – collision can basically be defined as colliding into another object with your car such as a structure, another automobile, etc.

Transportation Expense – this provides temporary transportation expense of up to $50 per day up to a maximum of $1,500 total in the event your car gets stolen or it is damaged and it is insured for collision and/or other than collision.

Loan/Lease Payoff Coverage – this pays the difference between what you owe on the vehicle and what the insurance pays if your car is determined to be a total loss (or commonly considered “totaled”) or is stolen and not recovered, after the comprehensive or collision deductible is applied. You need both comp and collision on your policy before Loan/Lease Payoff Coverage can be added.

Repair Replacement Collision Coverage – applies to vehicles under a certain number of years old, usually 5, from the year of the current policy. In the event of a collision of an auto carrying this coverage, the company will pay for either reasonable repair costs with part that are of like kind and quality, or the cost of a new car; whichever one is less expensive. Like most other coverage options, there is a deductible for this coverage (usually $500).

If you have any questions or want more information, feel free to contact us!

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Are You Getting the Discounts You’re Entitled To? If not call 1-800-231-3227 or visit our website www.floreyinsurance.com

Some of the most common discounts are:

Being Married
Having Triple A
Renting an Apartment
Being Insured for more than 5 years
There are Companies that will not cancel your policy regardless of Claims
Driver Training
Over 55 Driver Training
New Home Construction
Group Enrollment
Discount for Pleasure Use of Vehicle
Discount for Limited Tort

Many people are unaware of the large number of savings and discounts available when shopping for car insurance in Pennsylvania. We will present you with 36 easy tips that can potentially save you hundreds on your insurance premium.

1. Make sure you know how far you drive per year. Some companies offer discounted rates if you travel under a certain mileage annually.

2. A good credit score often gives a discount. Although, many companies rate credit scores different ways.

3. Many companies offer a discount for maintaining active insurance coverage prior to switching to another carrier.

4. Some insurance companies give a discount for carrying prior Bodily Injury (BI) Limits of 100/300 or higher.

5. Many companies offer a discount for simply owning a home. With some, you may get this credit for owning a home even if it is not written with the same company as your auto insurance.

6. Insurance companies also may offer a discount if you put your home and auto policies together with one company. This is what’s called the “multi-policy discount”.

7. Some companies may offer a discount for owning a manufactured home and combining it with your auto policy.

8. Companies often offer what’s called a “multi-car” discount on an auto policy. This discount can be given if you insure 2 or more cars on the same policy.

9. Some companies offer a discount for combining your mobile home and car together on the same policy.

10. Many companies offer an advanced quoting discount if you get an insurance quote 8 or more days before the renewal date on your insurance policy.

11. Some insurance companies give a discount for insuring both a car and a motorcycle with the same company.

12. Some companies offer a discount if you insure a boat and a car with the same company.

13. Several companies offer a discount for student drivers with a GPA at or above a certain average, depending on the company.

14. Some companies offer a discount if you’re a teacher.

15. Some offer a discount for firemen.

16. Others offer a discount for being a policeman.

17. You may be able to get a discount if you put your other insurance policies with your auto insurance.

18. Most companies give discounts for paying the insurance premium on a policy in full.

19. Many companies give a discount if you pay your insurance through a checking account or credit card, also referred to as paying through EFT (Electronic Funds Transfer).

20. You may also be able to get a discount if you are a single parent.

21. Some companies may also offer the option of doing business over the internet. This can be an additional discount.

22. There is a discount with many companies for being accident free.

23. Discounts can also be given if you have anti-theft devices such as an alarm system on your car.

24. There is a discount for high deductibles. In fact, the higher the deductible you choose, the lower your total premium will be.

25. Discounts can also be applied if you live in certain areas.

26. A discount may be possible for putting a youthful driver on the policy as the operator of certain cars.

27. You may also be entitled to a discount if you watch a video given by the company.

28. A discount is also given if your son or daughter took driver training.

29. You may also get a discount for being in the military.

30. Other companies offer discounts for lower limits.

31. Some carriers offer discounts if you work for certain companies.

32. You can get a discount if you are a farmer.

33. There is also a discount for full coverage, which means you carry coverage for the other person in an accident and your own car too.

34. You can get big discounts for insuring antique or classic cars.

35. Different companies offer discounts if you drive certain types of cars.

36. There is a discount for long-distance student drivers. Usually to qualify, the student must go to school >100 miles from their residence address.

NOTE: Discounts vary from company to company. Not all discounts listed are applicable to all insurance companies.

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