Can You Be Sued If Someone Else Has an Accident in Your Car?

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Lending your car to a friend or family member might seem like no big deal—until they get into an accident. If that happens, you may find yourself wondering: am I responsible for any damages? At The Hansen Agency LLC in Washington, PA, we help drivers understand how their auto insurance works in situations like these, so they aren’t caught off guard.

Who Bears Responsibility After an Accident?

In most cases, auto insurance follows the car, not the driver. So, if you allow someone to drive your vehicle, and they cause an accident, your insurance policy would most likely be the first to cover any damages. However, if costs exceed your policy limits, the driver’s insurance may be used as secondary coverage.

There are situations where you could be held personally responsible. If you knowingly allowed an unlicensed or intoxicated driver to use your car or lent it to someone with a history of reckless driving, you might be sued for negligence. Additionally, you could face legal action if the accident causes significant damage or injuries beyond what your insurance can cover.

How Can You Protect Yourself?

Before handing over your keys, it’s a good idea to check that the person borrowing your car has a valid license and a solid driving record. Having sufficient liability coverage on your policy can also help protect you from unexpected financial burdens.

Secure the Right Coverage for Assurance

Accidents happen, but the right insurance can help minimize the risks. The Hansen Agency LLC in Washington, PA, can help you find an auto insurance policy that keeps you covered, no matter who’s behind the wheel. Contact us today to learn more!

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Do Your Company Drivers Need a HAZMAT Driver’s License Certificate?

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One of your responsibilities as a business owner is to secure the commercial insurance your company needs. Many business owners have questions about commercial insurance. If you live in the Washington, PA, area and you’re seeking information about insurance, our team at The Hansen Agency LLC is ready to discuss our available commercial insurance options. We’ve been serving commercial clients in your area since 2015.

Do Your Company Drivers Need a HAZMAT Driver’s License Certificate?

If your business owns cars or trucks, you’ll need to secure commercial auto insurance for those vehicles. You might also be wondering about other requirements for your company’s vehicles and drivers. If your drivers transport materials that require a HAZMAT classification, they must have a HAZMAT certification on their CDL driver’s licenses. Drivers are allowed to transport hazardous materials in amounts below the limit that classifies them as hazardous.

According to Truckers Insider, materials are considered hazardous if they meet hazardous guidelines established by the Secretary of Transportation. Marine pollutants and any material classified as hazardous waste are also considered hazardous. According to the State of Pennsylvania’s website, obtaining this certification requires a 90-day process. Applicants must pass a test consisting of 30 questions about hazardous waste materials and then a federal Security Threat Assessment.

Contact Us Today for Your Appointment

As an independent broker, we can provide several insurance quotes simultaneously. Business clients in the Washington, PA area can find answers to all their insurance questions. When looking for a trustworthy insurance agency, you can rely on our team at The Hansen Agency LLC, where you can get the customized policies you need.

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Do You Need Additional Coverage for High-Value Items in Your Home?

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Home insurance is crucial for protecting your belongings in Washington, PA, but does your policy provide sufficient coverage for high-value items like jewelry, fine art, and collectibles? Many people assume that their standard home insurance protects everything, but that isn’t always the case. It’s important to assess your unique situation to determine if you need extra coverage for your most prized possessions.

What Does Standard Homeowner Insurance Cover?

Standard home insurance typically covers personal property, liability, and dwelling protection, offering a safety net against events like fire, theft, and natural disasters. However, most policies come with coverage limits or exclusions for high-value items, such as art, jewelry, and collectibles. While general personal property is covered, valuable items often exceed the limits of a standard policy, leaving property owners underinsured.

Why You Might Need Additional Coverage

Valuable items, such as fine art, jewelry, antiques, and electronics, often exceed the coverage limits of standard home insurance policies. These items are also more vulnerable to theft, loss, and accidental damage, meaning if these events occur, you may not receive enough compensation to replace them. Additional insurance coverage ensures that your high-value items remain appropriately safeguarded.

Contact The Hansen Agency LLC for Insurance

You work hard to purchase and maintain high-value items for your home. Therefore, it’s important to protect your treasures against harm. The right home insurance coverage can provide the protection you need to keep your items safe and give you peace of mind.

Serving Washington, PA, and the surrounding areas, The Hansen Agency LLC offers comprehensive home insurance policies, including coverage options for high-value items. Contact us today to see how we can help you protect your valuables.

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Cross-Border Auto Insurance: Covering International Road Trips

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Planning an international road trip is an exciting adventure, but it also requires careful consideration of insurance coverage for those around Washington, PA. Standard domestic auto insurance typically does not extend to foreign countries, creating a unique challenge for drivers who want to ensure they are adequately covered during their journey. Cross-border auto insurance is essential for those driving on international roads while protecting themselves from potential risks.

Understanding Cross-Border Coverage Requirements

Cross-border auto insurance is designed to address the gaps in coverage when driving outside your home country. In many cases, drivers will need to purchase additional insurance or upgrade their current policy to meet the requirements of the country they are visiting. Some nations may mandate specific levels of coverage, such as liability or collision insurance, to legally operate a vehicle within their borders.

In countries where liability insurance is a legal requirement, failing to meet those requirements could result in fines or even being barred from driving. Research the insurance laws of the country you’re visiting and secure the necessary coverage before you leave. Are there any auto insurers that offer temporary international insurance policies that can be added to your existing coverage for the duration of your trip?

Obtaining Cross-Border Coverage

Contact your current insurer to inquire about international coverage options to obtain cross-border auto insurance. Some policies may offer automatic coverage for short trips, while others may require the purchase of additional insurance. Alternatively, independent providers specializing in cross-border auto insurance can offer tailored plans based on your travel needs.

Contact The Hansen Agency LLC for Your Insurance Needs

The Hansen Agency LLC underwrites policies to fit our customers’ needs. We serve Washington, PA, along with surrounding cities. Reach out today.

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About Workers’ Compensation Insurance

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If you’re a business owner, one of your responsibilities is to purchase commercial insurance. This includes property protection, liability insurance, commercial auto insurance, and workers’ compensation insurance. If you’re located near Washington, PA, and have questions about your commercial insurance options, our team at The Hansen Agency LLC is ready to assist you. We’ve been providing insurance services for companies in your area since 2015.

About Workers’ Compensation Insurance

Workers’ compensation insurance is a crucial type of insurance. Pennsylvania state law mandates that all companies with more than one employee must have workers’ compensation insurance. This insurance covers medical expenses and lost wages for injured employees. According to the Commonwealth of Pennsylvania website, workers’ compensation policies have protected US employees since 1911.

As per the Commonwealth of Pennsylvania Guide to Workers’ Compensation, your company’s premium for workers’ compensation insurance will be based on your annual payroll and how the State classifies your company. When setting up your policy, you may be able to reduce your company’s premium by selecting a higher deductible. Ask your insurance agent about group discounts if you own five or more similar businesses.

Call Us Today for an Appointment

Whether you need workers’ compensation insurance, employee health insurance, or have questions about your existing commercial policies, our team at The Hansen Agency LLC is ready to help. You’ll want to ensure all your company’s assets are protected. Businesses in the Washington, PA area can trust us with their insurance needs. Call us for an appointment today, and let’s talk about insurance.

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How Do You Switch Home Insurance Companies?

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Switching home insurance companies can potentially provide you with better coverage or lower rates, and the process of changing home insurance companies is not complicated. Here at The Hansen Agency LLC, we can guide you through each step if you’re in Washington, PA. Here’s the general process.

1. Find a New Home Insurance Policy

The first step is to find a new and better insurance policy. At The Hansen Agency LLC, we can help you check policy options from several insurers since we’re an independent agency. Our agents are well-versed in home insurance and will work with you to compare coverages and rates.

2. Purchase the Policy

Once you’ve selected a new policy, complete the required paperwork to purchase it. Be prepared to make the first year’s payment in full. Our agents will help you complete all the necessary paperwork.

3. Notify Your Mortgage Lender

If you have a mortgage on your Washington, PA property, your lender needs to be sent your policy details. Namely, they’ll want to see the declarations page. This page details coverages and limits.

Lenders commonly require that the homes they finance are insured, so their financial equity in the house is protected. Not sending them the declarations page could cause the lender to purchase expensive force-placed home insurance. Our agents can ensure your lender gets the declarations page of your new policy, along with any other documentation they want.

4. Get a Refund (Maybe)

If you’ve paid your current policy’s premium in full and are switching before the policy terminates, you may be eligible for a refund of the unused premium. This is usually sent to you.

Contact Your Local Agent Today!

For more information about home insurance and how to switch policies, call The Hansen Agency LLC in Washington, PA, at (407) 982-3266.

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What is an Auto Insurance Deductible?

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At the Hansen Agency LLC in Washington, PA, we understand how confusing insurance terminology can be for many people. Most people read through their insurance policies and find it pretty much like deciphering a foreign language. But that’s where our team of experts come in. We’re here to assist you and ensure you get the most out of your insurance policy.

A common area of confusion is understanding auto insurance deductibles. Essentially, a deductible is the amount you’re required to pay out of your pocket when you file a claim to have your vehicle repaired. It represents your share of the expenses. For instance, if you’re involved in a collision that results in $3000 worth of damage, you would first pay your deductible, and the insurance company takes care of the rest. So, if your deductible is $500, you pay that amount first, and the insurance company covers the remaining $2500. This applies to comprehensive, collision, uninsured motorist, and underinsured motorist property damage claims.

How do deductibles affect your auto premium?

It’s also important to note that the deductible you pay on your auto insurance coverage can significantly impact the cost of your premium payments. Deductibles can vary depending on the insurance company; they could start as low as $250 and could reach up to $1500 or more. The rule of thumb is that the higher the deductible you opt to pay out of pocket for a comprehensive or collision claim, the lower your premium payments will be, and vice versa. For instance, if your deductible is $500, you will pay higher premiums than if your deductible is $1000.

Therefore, you need to consider whether you would be okay with a higher deductible (e.g., $1000 or $1500) to save money on your premiums and whether you can afford the deductible if you have an accident and need your vehicle repaired.

The Hansen Agency can help you decide.

If you’re still wondering which auto insurance deductibles are financially feasible for you, feel free to contact us at the Hansen Agency LLC in Washington, PA, at (724) 436-5142. We’re here to discuss your options and help you make an informed decision. By taking the guesswork out of choosing an auto insurance deductible for your policy, we empower you to make the best choice for your needs.

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What to Ask Your Agent When Choosing Commercial Insurance

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Starting a business is certainly exciting, but it also entails numerous considerations. One of your principal concerns should be if and how much commercial insurance you need. If you’re located in or around the Washington, PA, area, the agents at The Hansen Agency LLC are here to assist. We understand that protecting your business and livelihood is a serious matter, and you can trust us to help you acquire the most suitable policy for your needs.

Even if you’re unsure where to start or what you owe, you can acquire the information and support you seek. Here’s what you should ask your agent before settling on a commercial policy.

  • Does my business necessitate commercial insurance?
  • What domains will this policy encompass?
  • Do I need riders or amendments for specific business sectors?
  • How frequently should I renew or update my policy?
  • Who can I turn to for queries?

Our agents are seasoned and dedicated, and our priority is ensuring your business gets a solid launch through proper coverage and protection. By contacting us with your concerns, it’s far easier to get everything you require all in one place. We can offer quotes from multiple insurers, thus enabling you to choose the one that suits your venture the best. Whether you’re beginning a new business, expanding, or just seeking a new policy for an existing company, we’re here to assist.

Contact us today at The Hansen Agency LLC if you’re in the Washington, PA area and looking for a commercial insurance policy. We can address all your concerns and help you secure a policy that fits your current business needs. Additionally, we’ll be available for future queries, policy amendments, and other forms of support as your company grows.

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Does My Home Insurance Cover Floods?

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Home Insurance and Flood Insurance: Know the Difference

If you’re buying a home and pursuing a mortgage, you’ll be required to obtain home insurance. Moreover, if your area is prone to flooding, you might also need a policy protecting your property from flood damage. It’s crucial to understand what home insurance covers and what it doesn’t ensure you choose an appropriate policy.

Even if you’re not purchasing a home or are required to get insurance for your mortgage, you should still comprehend the difference between home insurance and flood insurance. The professionals at The Hansen Agency LLC, servicing Canonsburg, PA, are here to help.

Does Home Insurance Cover Floods?

Home insurance policies typically don’t cover damage resulting from floods. However, they cover damage due to high winds, often accompanying storms that can lead to floods. For instance, if high winds cause a tree branch to break a window, leading to water damage from rain, your home insurance may cover the cost of repairs. But, damages arising from flooding, like water entering your home through the basement, aren’t usually covered by home insurance.

What Should I Do for Flood Protection?

If you’re seeking flood protection, it’s available through the National Flood Insurance Program (NFIP). Mortgage providers usually require homeowners in high-risk areas to have flood insurance. However, even if it’s not required, you can still choose to obtain it to protect your home.

The Hansen Agency LLC, servicing Canonsburg, PA, is here to help you secure both home insurance and flood insurance. These protections will limit your financial risk and speed up your recovery after a covered event. Contact us today to learn how we can help.

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High-Risk Auto Insurance

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Drivers in Pennsylvania have to be insured before they get on the road. Driving without insurance can result in the suspension of your driver’s license and vehicle registration. You may have to pay fines and fees to get your license and registration reinstated.

Some Pennsylvania drivers cannot get coverage through a mainstream insurance company. There is the Pennsylvania Assigned Risk Plan for these drivers, also known as PARP.

The Hansen Agency LLC, which serves drivers in Canonsburg, PA, and all over the state, can help you get coverage through PARP.

Who needs PARP?

Not everyone who needs high-risk coverage is a bad driver. You might have trouble finding insurance because you are over 70 or under 20. You could need high-risk coverage because you drive a high-risk vehicle, such as a Lamborghini, which would be extremely expensive to repair. Your problem could be bad credit, or maybe you just got your license.

Most drivers who need PARP, however, have filed multiple claims in recent years, have been arrested for DUI, have had numerous accidents, or have been required by the State of Pennsylvania to file an SR-22. 

What is PARP?

PARP is a high-risk pool for Pennsylvanians who have trouble getting insurance. Every insurance company in the state of Pennsylvania participates in the high-risk pool. 

These companies do not charge the same rates, and your agent at The Hansen Agency LLC, working from Canonsburg, PA, for drivers all over the state, can help you find the best coverage at the best rate. Your agent at the Hansen Agency can advise you on getting out of the high-risk category and finding conventional auto insurance.

Don’t try to navigate PARP plans on your own. Call us today to get the coverage you need to stay street-legal in Pennsylvania.

 

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