Thank you for taking the time today to explain the Medicare Supplements that I needed.  I feel comfortable with the choices I made after talking with Barb last year and you this year.  I would be pleased to recommend you to my friends.

Thanks.

Customer

Thank you very much for your patience and time that you spent with me on the phone this past Friday.

It was very helpful for me to discuss my additional questions with you.  Your input helped to confirm that we are going in the right direction.

We appreciate your services in providing information to help us make the best insurance choices.

Sincerely,

Customer

I recently spoke with a woman about the various limits of coverage on a homeowners policy.  When we talked about her limit on her personal property (the things she owns, within her house and otherwise) she said, “Yes, that’s enough coverage for me unless my car is parked in the garage.”

It was a good thing that she mentioned this, because I needed for her to be aware that a homeowners policy entirely excludes coverage for an automobile in the event of a covered loss.

Plainly stated, if your home suffers damage from a fire, your homeowners policy will pay to repair the home and it may pay to replace much of your property inside the home that was lost, but it will not pay for the loss of your car or any part of a car.

Coverage for vehicles against such things as fire, theft, flooding, falling objects and vandalism can be purchased through comprehensive (other than collision) coverage on the auto policy.

A year may go by since that speeding ticket, and it seems like the insurance company doesn’t notice.  The price didn’t go up at all.  They may even overlook an at-fault accident.  Sometimes we wonder what our price will look like the next time the policy renews.

It’s true that the occasional speeding ticket may not count against you.  Many insurance companies also offer first accident forgiveness, and this feature may actually be restored after five or six clean years.

We may run into trouble when one driver has two or more driving incidents in a three year period.  This could raise the price of an existing auto policy and it could also result in nonrenewal.

If a personal auto policy is non-renewed, then the individual must find a new company to insure them and the driving incidents which led to the nonrenewal will be considered as part of the risk for the new company.

Do my driving record, accidents and citations matter to my car insurance?

YES THEY DO!

If another driver is at fault, but they are uninsured and they don’t have the funds to pay for the repairs to your vehicle, collision coverage again is the only thing you can rely on for help.

Comprehensive covers loss associated with a vehicle for reasons other than collision.  Loss due to theft, vandalism, flood, fire, or falling objects would be covered by comprehensive.  Windshield damage and collision with an animal are also examples of claims under this coverage.

No insurance company is going to pay more to repair a vehicle than what it is worth, unless the policy contains special provisions.

Most insurance companies require loss deductibles on physical damage coverage.

Most insurance companies do not just allow us to add a cycle as a vehicle on the personal auto contract.  A motorcycle usually needs a policy of its own.

Like an auto policy, a cycle policy includes liability limits.  It can provide physical damage coverage for the vehicle as well as limited medical expense coverage for the rider.

Cycle policies usually occur as an annual contract.

If we are responsible for damage to another person’s vehicle, if an accident was our fault, then the Property Damage Liability coverage on our policy would pay.

If someone is determined to be liable for someone else’s injuries, then Bodily Injury Liability may pay out to cover their responsibility.  This may include payment for such things as pain and suffering judgments.

Much higher limits of coverage are available than what Pennsylvania laws require us to carry.

Various Lancaster insurance agencies may have different recommendations as to the correct limits of liability coverage.

My husband and I want to thank you for your flexibility and your professional and ethical business practice with us.  You know, as we do, that as parents of young ones we fly by the seat of our pants and it is hard to schedule things.  We feel you looked out for the best interest of your clients and are providing us with the best services possible.

Thanks.

We offer life and health insurance products as well as expertise in Medicare supplements.  If you wish to contact us, you can do so by using the panel on the right.

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