Pennsylvania Auto Insurance Coverage: Sorting Out The Musts From The Nice-to-Haves

Submitted By: R Daniel Williams
The Pennsylvania Motor Vehicle Financial Responsibility Law, also called MVFRL, requires all motor vehicle owners to keep their automobiles insured. With all the many different types of coverage available, it could be very difficult to decide exactly what you need to have and what you want to have. To help you sort out the different types of Pennsylvania auto insurance coverage, here is some help with the definitions.
- Liability Coverage. Liability coverage is mandatory under Pennsylvania laws. This means that your insurance policy should include liability coverage before you will be allowed to operate your vehicle. This type of coverage insulates you from claims by other people. For example, in the event that you cause an accident to happen, and you have liability coverage, your insurance will pay for the injury that you caused to other parties. There are also different types of liability coverage, including bodily injury claims and damage to property. The first one applies against injury to other people, and the second one applies to damage that you may cause to the property of other people.
What happens when you are driving and you figure in an accident because of your own fault? Your liability coverage will pay for the damage or injury that you may have caused. However, expect your insurance company to increase your premium rates or impose surcharges on your premium rates.
- Personal Injury Protection. This is currently referred to as "First Party Benefits" and is also made mandatory by Pennsylvania auto insurance laws. This coverage applies to injuries that the vehicle owner himself suffers from, whether the accident is caused by him or some other party. Under the law, the minimum coverage is $5,000. And because this is a no-fault type of coverage, no surcharge or increase in premiums is allowed in case you avail yourself of this.
- Collision Coverage. Unlike the first party benefits and liability coverage, collision coverage is optional. Most often, insurance companies sell policies with collision coverage as a deductible. Under this scheme, in case of a collision caused by your own fault, you will pay for the limit that you set in the policy, and then the insurance company will compensate the other party the remainder. Setting a higher deductible can mean a lower premium for you. However, this also means that you have to be ready to shell out a higher amount of money in case of a collision.
- Comprehensive Coverage. This coverage is also optional. Under this scheme, your insurance will answer for loss in case of vehicle theft or any damage from any causes. Like the collision coverage, comprehensive coverage is also offered as a deductible.
- Uninsured Motorist and Underinsured Motorist Coverage. Both are optional types of coverage. This first one insures against and loss or injury caused by a vehicle operator who is not insured. The second one applies to situations when you suffer from any damage or injury caused by another party, and the other party has a subsisting insurance policy, but is not sufficient to compensate you for the amount of loss or damage that you suffered.

Published At: Isnare.com

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Obtaining An Insurance Policy Through The Pennsylvania Assigned Risk Plan

Submitted By: R Daniel Williams

While a car insurance policy can benefit a lot of people, not everybody can be qualified enough to get approved for an insurance. Especially when you are identified as a high-risk driver, companies will not anymore bother to take a look at the documents that you have submitted for application. But with the birth of the assigned risk program of the Pennsylvania auto insurance, people can now say goodbye to this kind of dilemma.
The state of Pennsylvania is known to be one of those that require every vehicle owner to carry Pennsylvania auto insurance. But with the changing lifestyles of people that somehow pose an effect on their risk ratings as car automobile owners, not all of them may be approved of the Pennsylvania auto insurance. That is why the assigned risk program was made for these high-risk drivers.
So who exactly are these high-risk drivers? To become one of those that fall under the high-risk category, there are factors that are taken into account. Some of them may be the age, the crime rate of the city where the driver is residing, and the model of the vehicle to be insured. And when you are unfortunate enough to be classified under the high-risk category, you could still qualify for the assigned risk program.
So what can the assigned risk program do for you? This program is the last resort of people that cannot get an approval of the commercial insurance companies. However, while approval is always sure since it is the state that makes the program possible, a higher premium payment can be expected due to the greater risk that will be taken on.
So how can you obtain an assigned risk plan? Take note of the following steps towards a successful application.
- Consult an insurance agent. Seek his advice on where and how to get an assigned risk plan.
- Be reminded that your agent will not immediately go after the assigned risk program for you and instead, he will make an effort to seek for a normal insurance coverage first.
- Only after three failed attempts of getting an approval for a normal coverage will your agent start to apply for the assigned risk plan.
- The agent will complete an application form and submit the same to the appropriate state department handling the processing.
- In your application form, the insurance agent will explain that you are classified under the high-risk category but you need car insurance so that you can drive around legally.
- However, if you don’t want to bear additional costs in consulting with an insurance agent, you can also apply for an assigned risk plan by yourself. Just go directly to the state’s insurance department so you can be assisted in searching for an insurance company that can accommodate you.
Getting a car insurance has never been this easy. Through the help of the assigned risk program, people can now sit behind the steering wheel without the fear of getting trapped in between the consequences of an accident.

Published At: Isnare.com

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Repair Credit Fast Forces Rebecca to Fight "Nasty" Debt Collector!

Submitted By: Mike Payne
Repair credit fast demands strategy, not a bunch of worthless dispute letters fired off by a credit disrepair company or uninformed mortgage person.
Recently, Rebecca from New Mexico contacted me about a collection account rejecting her attempts to buy a home. Rebecca admitted the account was hers but only after a few phone calls and faxes.
To Rebecca’s consternation, this bad credit account was more than 12 year old. Rebecca never questioned whether she had to pay.
Instead, Rebecca questioned the $1435.26 the debt collector demanded she pay.
Turns out, zombie debt collectors had purchased this charged off debt for pennies and waited for Rebecca to complete a credit application.
Just as the debt collector expected, Rebecca’s mortgage application triggered a call to action. The zombie debt collector had re-aged this ancient debt, reporting the debt as if it were current. That is, the debt appeared to be within the most recent 24 months and within the state’s statute of limitations.
The debt collector knew three conditions to be true:
1.Rebecca eventually would apply for credit and would be told to satisfy the collection before new credit consideration. In this case, Rebecca wanted to buy a home.
2.Some uninformed mortgage person would tell Rebecca to pay off the collection before attempting to qualify for a mortgage.
3.The debt collector knew (most) mortgage people and even fewer consumers (including Rebecca) know anything about their rights including but not limited to Fair Debt Collections Practices Act (FDCPA) or Fair Credit Reporting Act (FCRA).
Most mortgage people unintentionally HELP debt collectors break the law and collect money to which they’re not entitled.
Of course, debt collectors (in this regard) practice strategic debt collections – they break the law, playing very favorable odds.
On the flip side, Rebecca knew nothing about her rights. She knew ZERO about strategic credit repair.
Foolishly but expected, she was prepared to pay off this questionable collection, simply to go forward with grabbing the keys to her new home. Yep, debt collectors expect this behavior as well.
It was not the age of the debt that troubled Rebecca, whose memory took this alleged debt back more than 12 years during college.
Rebecca recalled defaulting on a credit card during college…a card with something like a $500.00 credit limit. Problem was, her credit reports reported she owed $1435.26 and a creditor she didn’t recognize.
In this case, firing off a template dispute letter might have created a worse situation for Rebecca. This debt collector, who had dunned Rebecca and had begun calling her, now was on to Rebecca, instigated with a mortgage application allowing the mortgage person to pull her credit.
1.Firing off template dispute letters can and usually do have a damning effect on people naively sending them or when credit disrepair companies fire off rounds of dispute letters on your behalf.
2.Rebecca needed to prove the debt was outdated…without a doubt.
3.Rebecca needed to confirm debt collector (Furnisher) had illegally re-aged the alleged debt.
4.Rebecca needed to force debt collector to delete alleged account with all bureaus and provide written (& signed) verification for future reference in the (likely) event this debt collector sells the debt to yet another debt collector for the process to start over again.
Bad credit repair turned easy for Rebecca, whose proof encouraged the debt collector to delete the account with an apology and written verification.
Rebecca admitted she would’ve paid off the account if the amount owed had not been $1435.26. Of course, debt collectors bank on this behavior.
Here’s something Rebecca (and probably you too) didn’t know: paying off a debt collector does NOT improve your credit. As illogical as it is, this is what happens with Fair Isaac & Company’s absurd credit scoring algorithm.
Please pay attention to these key points:
1.Do not simply fire off worthless dispute letters you download off some website.
2.Do not pay a credit disrepair company to fire off rounds of worthless dispute letters.
3.REAL credit repair demands strategy, not a bunch of worthless dispute letters. You must examine each bad credit account, determining whether the “furnisher” owns legal right to pursue collections.
4.Do not expect your mortgage person to know anything about credit repair – some might pretend they know credit repair, just as Rebecca’s mortgage person advised her to throw away $1435.26. Worse, Rebecca’s scores would’ve dropped. If your scores (after the ill-advised payoff) cannot sustain the score drop, your mortgage application will be rejected…all because of the blind leading the blind.
Repair credit fast requires you take a deep breath and a step back. Even if money is not the object, paying off alleged debt will not improve your credit…though you won’t hear that from a credit disrepair company or uninformed mortgage person.

Published At: Isnare.com