PA Supreme Court Decision on “Household Vehicle” Exclusion On January 23, 2019, the Pennsylvania Supreme Court struck down the “household vehicle” exclusion that had been present in many auto insurance policies. This exclusion was commonly used by insurance companies to deny uninsured motorist (UM) benefits and underinsured motorist (UIM) benefits to insureds who had paid […]
You’ve just had an auto accident and go to the emergency room the next day. You provide your regular health insurance information, pay your co-pay and get treatment. You don’t improve, so you go to your family doctor and your regular insurance gets billed and pays. You incur another co-payment. Your family doctor sends you […]
If you drive from place to place for your job, strongly consider electing wage loss benefits under your personal auto insurance policy. At one time, everyone in Pennsylvania had to cover themselves with a minimum of $5,000.00 in wage loss benefits. However, that is no longer the case and you must now elect to cover […]
DO I NEED AUTO INSURANCE? Everyone who owns a motor vehicle is required to carry at least minimum auto insurance coverage in Pennsylvania. This is mandated by the Pennsylvania Motor Vehicle Financial Responsibility Law (PMVFRL). The PMVFRL requires everyone to carry liability limits of $15,000.00 per person and $30,000.00 per occurrence, and at least $5,000.00 […]
1. What Are First Party Benefits? When the Pennsylvania Motor Vehicle Financial Responsibility Law (PMVFRL) first became the law in Pennsylvania, everyone was required to carry $10,000.00 in first party medical benefits and $5,000.00 of first party wage loss benefits. This changed some time ago and now you are only required by law to carry […]
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