MYTH: Lightning never strikes twice in the same place.
FACT: Lightning often strikes the same place repeatedly, especially if it’s a tall, pointy, isolated object. The Empire State Building is hit nearly 100 times a year.
MYTH: If it’s not raining and there are no clouds directly overhead, you’re safe from ...
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That’s What Insurance Is For? (Maybe Not) – Personal Auto Rate Update
Personal auto insurance pricing has changed a lot in the past five years. Credit and claims history now factor into premium rates in a big way. The best rates are reserved for individuals with a very stable credit record, a history of no late payments, and no claims. Quite a few of our carriers now base new-business rates on a five-year claim ...
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I am renting a vehicle on a vacation in Europe or Mexico. Do I need special coverage?
Generally speaking, the personal auto policy does not provide coverage for vehicles rented outside the United States and Canada. A personal liability umbrella policy may provide worldwide liability coverage but will not cover physical damage to the rented vehicle. You may need to purchase both liability and physical damage coverage for rentals ...
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I am renting a vehicle on vacation in the US or Canada. What coverage do I need to purchase from the rental car company?
If you have a vehicle insured under your personal auto policy with comprehensive and collision, generally speaking, physical damage to a rented vehicle which is a private passenger vehicle, pick up or van extends to the rented vehicle with the same deductibles. Unfortunately, the rental car contract may make you responsible for more than what is ...
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What is the mature driver improvement course and how do I qualify?
Pennsylvania law provides a 5% discount for drivers 55 and older who successfully complete a mature driver improvement course approved by PENNDOT. All drivers on the policy who are age 55 or older must have completed the course in order for the reduction to be granted. A certificate is provided by the course provider and must be provided to the ...
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The loan on my vehicle has been paid off. Why does the loss payee name still show on my policy?
If your vehicle has a loan or is leased, the financial organization making the lease or loan requires that their organization be included as a loss payee under your policy. If you have an accident, their name goes on the check along with yours. When the loan is paid, you should notify your agent to remove the interest of the loss payee. In most ...
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Should I purchase a personal liability umbrella policy?
You probably should consider purchasing a personal liability umbrella policy with a limit of $1,000,000 or more. Personal umbrella policies will pay beyond your underlying policy limits for personal liability and auto liability exposures. Umbrella policies include coverage for personal injury which covers exposures such as libel, slander, ...
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