Category: Auto Insurance

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.

 

Auto insurance supports business operations by providing financial protection, risk management solutions, and regulatory compliance for companies that rely on vehicles for their daily activities. From protecting company-owned vehicles to ensuring the safety of employees and customers, auto insurance influences various aspects of business operations, including fleet management, logistics, and customer service around Canonsburg, PA.

Financial Protection for Company Assets

Auto insurance offers financial protection for company-owned vehicles against risks such as accidents, theft, vandalism, and natural disasters. Comprehensive coverage compensates for vehicle repairs or replacements, enabling businesses to minimize financial losses and maintain operational continuity. Commercial auto liability insurance also covers damages or injuries caused by company vehicles, protecting businesses from legal liabilities and potential lawsuits arising from accidents or incidents.

Risk Management and Safety Measures

Auto insurance encourages businesses to implement risk management strategies and safety measures to prevent accidents and minimize risks associated with vehicle operations. Companies may invest in driver training programs, vehicle maintenance protocols, and safety technologies to improve driver behavior, reduce accidents, and mitigate insurance claims. By promoting a culture of safety and accountability, auto insurance helps businesses enhance operational efficiency, reduce downtime, and protect their employees and assets.

Regulatory Compliance and Legal Requirements

Auto insurance ensures businesses comply with regulatory requirements and legal obligations related to vehicle operations. State laws mandate that businesses carry minimum vehicle insurance coverage, including liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. Failure to maintain adequate insurance coverage can result in fines, penalties, and legal consequences for businesses, highlighting the importance of insurance compliance in mitigating risks and maintaining business continuity.

How The Hansen Agency LLC Can Help You

At The Hansen Agency LLC, we can help answer questions concerning auto insurance. We serve the Canonsburg, PA, area. Call us today.

Some motorists in the Canonsburg, PA area have cars that they don’t use for several weeks or months. For instance, you might travel overseas or own a convertible you don’t drive during the winter. The idea of pausing your auto insurance may sound appealing, but is it realistically possible to do so?

Coverage Requirements

If you borrowed money to buy a vehicle, the lender probably requires you to keep insurance in effect until you pay off the loan. Another issue is that auto coverage is required by Pennsylvania law for any registered car. If an auto isn’t insured, PennDOT will expect you to let go of your registration plate. You could face fines or other penalties if you don’t follow this rule.

Pausing coverage generally isn’t possible with most insurers that serve the Keystone State. You could cancel your policy and establish a new one when you start driving again. However, you’d have to spend time canceling the insurance, relinquishing your registration, re-registering the vehicle, and requesting a new quote.

Benefits of Staying Covered

Continuous coverage doesn’t only save time or help you avoid legal penalties. There are advantages to keeping insurance active even if you aren’t using your car. An auto isn’t entirely safe when it sits in a driveway, parking lot, or garage. Comprehensive policies cover some types of non-collision events, such as criminal activity like theft and vandalism. They often cover vehicle damage caused by fires as well.

Consult With Us

The Hansen Agency LLC can help you find the right policy for any vehicle, including cars that may not be used for long periods of time. Our knowledgeable agents serve customers in Canonsburg, PA and surrounding areas. Our independent agency can check the quotes and coverage levels offered by several different insurers. Reach out to us at The Hansen Agency LLC today.

In Pennsylvania, it’s mandatory to have auto insurance for every vehicle that you own. There are types of required coverage that have to be in your policy, and there are types that are optional for Pennsylvania drivers. The amounts of required coverages are low when compared to requirements in other states. It’s often recommended that you get more coverage than the minimum amount mandated by the state. When you need auto insurance, give us a call at The Hansen Agency LLC in Canonsburg, PA.

Required Coverage

It’s mandated by the state that you have two different kinds of liability coverage in your auto policy. Bodily injury liability is required to be in your policy in two amounts. One of these is for one injured person, and the second is for all of the injured parties. You need both of these to protect yourself against that type of liability. You also need liability protection against property damage and are mandated to have this in your policy. Not having these types of coverage means you’re driving illegally and you’re at great financial risk. 

Other Coverage

In addition to your liability coverage types, there is also first-party benefit coverage required. It’s required to have a small amount of this to pay for your own injuries as well as your passengers’ injuries. Auto policies also come with uninsured motorist and underinsured motorist coverage, but you are allowed to reject this coverage and not have it in your policy. This type pays when someone without insurance or no insurance causes an accident. It’s recommended that you keep this insurance in your policy because of the risk you’d face without it. 

Get Auto Insurance

It’s important to always have auto insurance, and we can help. Call us at The Hansen Agency LLC in Canonsburg, PA to find out more and to get started. 

If you use your car daily for work, school, or recreational driving, it’s one of your greatest assets. Auto insurance offers a means of protecting this asset. Your choice of coverage determines how much protection you receive. At The Hansen Agency LLC, serving the greater Canonsburg, PA community, we can guide you to selecting adequate auto coverage to meet your unique protection needs.

Pennsylvania Auto Insurance Requirements

Like most states, Pennsylvania has minimum auto insurance requirements. To legally drive a vehicle in the Keystone State, you must have bodily injury and property damage coverage to pay for damages to others in accidents you cause. Unfortunately, this basic auto insurance doesn’t cover any injuries you may sustain in an accident nor does it cover your vehicle repair costs, leaving you to pay for these expenses out of pocket.

Is Basic Auto Insurance Enough?

Getting minimal auto insurance may save you money in the short term but could have disastrous repercussions later on. If your vehicle is stolen, vandalized or damaged in an accident, you’ll have to cover repair or replacement costs on your own. You also run the risk of paying for your own medical costs. Adequate insurance coverage is that which protects you and your vehicle along with the interests of others.

Auto Coverage Options

Fortunately, there are numerous auto insurance options to provide you with adequate auto insurance coverage. These include:

• Collision – to pay for damage to your vehicle caused by a collision
• Comprehensive – to protect your car from theft and damage caused by inclement weather
• Uninsured motorist – to cover damage to your vehicle if it’s hit by a driver with inadequate insurance coverage
• Medical expenses – to help cover the cost of injuries you may sustain in an accident

Reach Out To Us

For quality auto insurance ti best meet your needs, contact The Hansen Agency LLC in Canonsburg, PA. We are happy to help!

Pennsylvania, like other states, requires auto insurance for every driver or vehicle owner. You can’t register a vehicle without insuring it first.

The state of Pennsylvania does require some insurance that other states don’t, so The Hansen Agency LLC wants you to understand that the minimum insurance you need to drive legally on the roads of Canonsburg, PA differs from the insurance needed in New York or Connecticut.

Pennsylvania Auto Insurance Requirements

Like other states, Pennsylvania’s auto insurance laws require each driver to cover their liability through insurance. Keystone State drivers need a few other policy types, too, to meet their legal burden. These include:

• Bodily injury coverage in the amount of $15,000 per person
• Bodily injury coverage in the amount of $30,000 per accident
• Property damage coverage in the amount of $5,000 per accident
• First-party benefits (FPB) coverage in the amount of $5,000.

Insurance companies must offer uninsured/underinsured bodily injury (UM/UIM BI) coverage in any auto insurance quote, but the driver can reject it. The state requires the insurer to offer UM/UIM BI coverage in the amount of $15,000 per person and $30,000 per accident.

Protect Yourself with More Than the Minimums

The Hansen Agency LLC recommends that you choose coverage with liability limits that cover your total net worth. Also, insure your vehicle with collision and comprehensive coverage so you don’t need to pay out of pocket to repair or replace your own vehicle.

Contact Canonsburg, PA’s trusted insurer, The Hansen Agency LLC, today. Let us provide you with auto insurance that protects your financial security.

Your auto insurance policy helps you in case you are involved in an automobile accident. If you have never been in an accident before, you may be unsure of what to expect when you find yourself involved in your first accident. The Hansen Agency LLC, serving the greater Canonsburg, PA area, details what you should expect when you are filing a claim for a car accident. 

Provide Your Insurance Company With the Necessary Information

The first step is actually to file the claim. Many insurance companies allow you to call in a claim or file a claim online. You will need your information, including your name, policy number, driver’s license number, and license plate information, as well as the information for the other party. Have all of this information on hand to speed up the claim filing process. 

Have Your Car Inspected

The next step will be to have your car inspected. The insurance adjuster may come to you, or they may tell you to bring your car to a specific location. Your car will be inspected to determine what type of damage it has and if the damage is repairable or if your car should be salvaged. 

Select a Body Shop to Have the Repairs Made

If the claim is approved, you can select your own body shop to have the car repairs completed. The body shop will bill the insurance company less any deductible you may owe, for the repairs that are made. 

Contact Us Today

Car accidents happen. If an accident were to happen to you today, would your car insurance policy provide you with the coverage you need to get your vehicle back to its pre-accident state? Here at The Hansen Agency LLC, serving the greater Canonsburg, PA area, we can review your existing policy to see if it meets your needs or help you to find a policy that will best meet all of your needs in case the unexpected happens. Call us to learn more. 

Consumers need to avoid mistakes when they purchase auto insurance that could cost them down the road. We’re devoted to helping our clients meet their insurance needs in Canonsburg PA at The Hansen Agency LLC. 

The following are three mistakes consumers in Canonsburg PA should avoid when it comes to auto insurance. 

Buying the first auto insurance policy that you come across

Shopping around is one of the most important steps to finding a good auto insurance solution. You should do your research on insurance providers offering auto coverage in your area. Then, you should get quotes from a few different providers.

While costs are important, you shouldn’t simply choose the insurance policy that has the lowest premium amount. You should also evaluate factors such as the coverage amounts each policy offers as well as the reputation insurance companies have for providing good customer service.

Choose the quote that will offer you the best value to find the right auto insurance policy. 

Choosing a deductible that’s too high

A high deductible may be a big problem if you get in an accident and have to file a claim. Make sure that you’ll always have enough money out-of-pocket to cover your deductible amount. 

Getting only enough liability coverage to meet basic legal requirements

You only have to carry enough liability coverage to meet the minimum requirements in your state. However, only getting the minimum coverage probably won’t offer you adequate financial protection. You’ll be more financially secure as a motorist if you exceed the basic requirements with the liability coverage you purchase. 

If you have questions about the auto insurance coverage we offer at The Hansen Agency LLC, contact us. We’ll be happy to reply to your questions and inquiries. Find the right auto insurance solution today!

Anyone who’s ever had to shop for auto insurance knows that it can be confusing. There are many options, coverages, and providers to choose from, and it’s hard to know if you’re getting the best possible deal. To save both time and money, it’s important to avoid making some common mistakes when purchasing auto insurance. The Hansen Agency LLC in Canonsburg, PA offers this guide in navigating this important topic. 

5 Mistakes to Avoid When Buying Auto Insurance

1. Not Understanding Your Coverage

It’s important to know what exactly your policy covers and doesn’t cover. If you don’t, you could be in for a rude awakening if you ever need to make a claim. Be sure to ask your agent any questions you have about your coverage so that you’re clear on what’s included.

2. Skimping on Coverage

It may be tempting to save money by opting for the bare minimum coverage required by your state, but this could end up costing you more in the long run if you’re involved in an accident. Make sure you have enough coverage to protect yourself financially in the event of an accident.

3. Omitting or Misrepresenting Information

When you’re applying for auto insurance, it’s important, to be honest about your driving history, vehicle, and any other relevant information. If you omit or misrepresent any of this information, it could invalidate your policy and leave you without coverage if you need to make a claim.

4. Choosing the Wrong Deductible

This is one of the most common mistakes people make when buying auto insurance. Be sure to choose a deductible that you can afford to pay if you ever have to make a claim. If you choose one that’s too low, your premiums will be higher, and if you choose one that’s too high, you may not be able to afford to pay it if you need to make a claim.

5. Failing to Compare Policies

Different policies cover different things, so it’s important to compare them before purchasing one. Be sure to look at both the coverage and the price when making your decision. Do not also forget to ask about each policy’s limits, conditions, and exclusions before you make your purchase.

If you’re shopping for auto insurance, avoid making these common mistakes. Be sure to understand your coverage, choose a policy that covers enough, and compare different policies before buying. The Hansen Agency LLC in Canonsburg, PA can help you find the right auto insurance policy for your needs. Give us a call today to get started.