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Answered Philadelphia DMV Queries

The Philadelphia DMV, on behalf of the Pennsylvania Department of Transport, looks after the various rules concerning the vehicles and automobiles registered under the state, in the city of Philadelphia.

If I am asked to show proof of my car insurance by law enforcement personnel, what are the documents that will be taken as valid proofs?

•             A valid ID card issued by your insurer

•             A copy of the insurance policy agreement

•             A copy of a valid insurance binder

•             A proof of insurance application to the Pennsylvania Assigned Risk Plan

1. What are the factors that will increase my premium rates?

A number of factors lead to the increase in your auto insurance premium-

•             Including another vehicle to the policy

•             Purchasing additional coverage

•             Increasing mileage

•             Including a new driver

•             Making claims and moving violations

•             Relocating to another part of the city/state

•             Replacing an old car with a newer one

Sometimes, there are rate increases upon renewal. That depends from insurer to insurer.

2. How to reduce my auto insurance premium?

You may save money on your auto insurance premium by

•             Go for the limited tort option rather than the full tort option

•             Pay a higher deductible on your collision and comprehensive coverage

•             Doing away with collision coverage on old cars

•             Settling for the minimum required coverage as stated by the Philadelphia DMV

•             Doing away with funeral benefits and income loss

•             Inquiring about special discounts

However, do take time off to think about the problems you may face in the near future. Visiting the Philadelphia transport department can take your worries away.

3. Will my premium go down, if I exclude my spouse or teenaged offspring form the policy?

The first holder can eliminate the other holders from the policy, but not before proving that they are insured elsewhere, or by the Assigned Risk Plan.

4. What is meant by the Pennsylvania Assigned Risk Plan?

The Assigned Risk Plan of Pennsylvania is an insurance program, which enables those, who are unable to obtain otherwise auto insurance coverage. All insurance are to take part in this program. The applicants are assigned to different forms, based on the business the firms do.

5. How much does my insurance company need to pay me, in case of any damage to my car?

The auto insurance plan is to pay the amount required to restore the car to its original form. You may attain information from the car insurance about the auto repair facility, lying near the site of accident and where you need your work to be done. There are no specifications in terms of the shops.

6. Will DUI and DWI charged lead to my auto insurance policy in Philadelphia, getting cancelled?

The state of Pennsylvania has strict DUI and DWI norms. Whether you attend the classes held by the Accelerated Rehabilitation Disposition Program (ARD), your driver’s license will definitely be suspended. The span of suspension will depend on your Blood Alcohol Concentration (BAC), and the number of time you have been charged of such an offence.

A license suspension can act as quite a valid reason for termination, non-renewal, and cancelation of your insurance scheme. All of these are the typical questions by many motorists, but you can take your worries away when you visit the motor vehicle department of Philadelphia.

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Comply With Philadelphia DMV Without Any Errors

Philadelphia, being a part of the Pennsylvanian commonwealth, is to comply by the auto insurance norms of the Pennsylvanian state. Here, such matters are looked into, by the Motor Vehicle Department of Philadelphia.

1. If I do not have auto insurance, will my license be cancelled?

The Philadelphia DMV, can cancel your vehicle registration, and can even suspend your license, if you are not in possession of one.

2. Is it a legal move on part of my auto insurer to cancel my policy, if I fail to pay the premium?

If you are unable to submit your insurance premium on time, then the insurer can terminate or cancel your auto insurance plan on the grounds of non-payment or delayed payment. In Pennsylvania, the auto insurance companies are bound by law to extend the due date.

3. If I receive a notice of termination or cancellation of my auto insurance policy from my insurance company, what should I do?

The Pennsylvanian insurance laws list a number of reasons, on grounds of which an insurance company can terminate or cancel a plan. The first and foremost thing you must do  in this case is contact your insurance company and ask for the reason of cancellation of the insurance agreement. If you are not satisfied with their explanation, you can complain to the Pennsylvania Insurance Department. However, remember your compliant must reach them by thirty days of receiving the termination notice.

If you are at fault in two or more accidents of a similar kind, within a span of three years, and both the claims exceed the cut-off amount, then your company can choose to non-renew your plan.4. Can my auto insurance company disagree to renew my insurance, if I have too many claims?

5. What is meant by a surcharge, and how can I avoid it?

A surcharge is the additional amount to be paid along with your insura

6. What shall I do, if I am unable to understand the terms of my policy entirely?nce premium, in case you are accused of some traffic violations or an accident. The percentage is decided while drafting the policy, and you generally pay it for a period of three years. However, you pay a surcharge, only if the total amount claimed in an accident in the last three years, exceeds the specified amount. You can also avoid a surcharge, by paying back the company at least 60% of the amount it has paid as claims.

If you have any doubts regarding your policy, feel free to contact the insurance company itself. Most of them have a reliable and efficient customer service, with experts looking up and trying their best to clarify your doubts. You also have the option of writing in your queries to the Pennsylvania Insurance Department’s Bureau of Consumer Services or Philadelphia transport department.

7. Are there any risks involved with changing one’s insurance company?

An insurance company cannot terminate or deny you insurance on the grounds of age, residence, marital status, etc. However, it has the right to carry out crosschecking and investigatory activities within the first two months of selling you a scheme. During which, it can cancel your policy on any of the reasons listed by the Pennsylvanian auto insurance laws.

The vehicle department of Philadelphia i.e the Philadelphia DMV is quite strict when it comes to vehicle laws, but is always at the service of its residents.

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Beginner’s Guide in Buying Auto Insurance in Philadelphia

FreeAutoInsuranceQuotesInPhiladelphiacarinsuranceIn the state of Pennsylvania, it is compulsory for every driver and his car to be insured. If you are caught in the streets without the required proof of insurance, you will be heavily fined, or even arrested.

Let us discuss some of the things regarding auto insurance in Philadelphia.

•             Why do I need car insurance?

Auto insurance is a proof of financial responsibility that you require, to operate a car. It comes to play when there is an accident or a natural disaster like fire, flood, earthquake, etc. Your insurance will pay for the damages and medical expenses in case of such incidents.

•             What is the minimum coverage I need to have in Philadelphia?

The minimum liability needed by a Philadelphian driver is as follows:

Bodily injury – If you are found guilty for an accident, this coverage compensates for the damage and injuries you cause to the other party. It is worth $15000* for a person, and $30000* for an entire accident.

Property damage – This coverage is for the damages you have caused to the other party, if you are responsible for the accident. You need at least $5000* worth of this coverage.

Medical benefits- No matter who is at fault in an accident, this coverage pays for the first aid and medical procedures following an accident.

•             Are there other types of coverage I can go for, in addition to the minimum coverage?

Yes, there are a few more optional choices offered along with the minimum coverage. In fact, it is highly recommended, that you should opt for some of them, if you can. They are:

Medical – It covers the medical costs of you and the other riders of your car, if there is an accident.

Comprehensive and collision coverage – This one comes to play, when your car is damaged due to other reasons than traffic accidents, like theft and natural disasters. It comes with a deductible.

Uninsured/ Underinsured motorist coverage – If an accident caused by an uninsured or an underinsured driver injures you, or damages your car, then it covers the expenses resultant of the accident.

•             The minimum amount barely meets the basic needs. How much should I spend on auto insurance policy for each person?

The liability for bodily injury and property damage is necessary for all Pennsylvanian residents. Nevertheless, it is best, if you spend at least a sum of $100000 on each person, and a maximum of $300000* to cover for the treatments, repairs and loss of earnings resulting from an accident. For property damage, you should keep aside a minimum sum of $50000*.

•             What is a deductible, and how much of it should I pay?

In case of optional coverage schemes, you need to pay a portion of the amount, while the company pays the rest. The amount paid by you is called the deductible. It is always advisable to pay as much deductible as you can. By doing so, you end up paying for the minor mishaps, while the company pays for the larger ones. This decreases your premium rates by 10% to 30%.

•             Which is a more cost effective mode of paying my car insurance premium- annually, monthly, or semi-annually?

You will be surprised to know, that by paying your auto insurance bills annually, you save up on quite an amount. Although paying in monthly or semi-yearly installments may seem inexpensive and convenient, they come with hidden costs like interests and surcharges. So if you can, try to pay up your premium at one go, each year.

•             How can I reduce my auto insurance expenses?

Primarily, maintain a squeaky-clean driver’s profile. Safe or low-risk drivers get attractive discounts on Philadelphia car insurance. In addition, by submitting your premium annually, and paying higher deductible you can bring down your insurance costs. If paying a high insurance premium is the only thing bugging you, then go for an inexpensive, hardy, and low profile model of a car. Continuously keep yourself informed about the various offers and discounts available on car insurance schemes. Regularly compare the quotes of different companies. These few steps will slash your insurance price largely.

•             Does my venue of residence affect my auto insurance rates?

Yes. Rural and suburban areas have to pay less for auto insurance, while cities have to pay more, due to heavier traffic congestion. For instance, in Altoona, the average quote is about $1539*, but the average quote for car insurance in Philadelphia is $2313*. In addition, your locality, zip code, and street are taken into account, while deciding on the quote. If your neighborhood has a high crime rate in terms of car theft and vandalism, then you have to pay a higher insurance rate.

•             How to file an insurance claim?

After an accident, you need to make a claim as quickly as possible. Collect all the proof of accident, and the expenses it has led to. It includes medical treatment bills, police reports, repair bill, etc. Every time you have a conversation with an insurance agency representative, regarding your claim, follow it up with a letter, summarizing the proceedings of the conversation. Make sure you mention the date, and time of your conversation, and the name of the person you had spoken to. Keep a copy of this letter to yourself. If your company is slow in responding to your claim, then check if your scheme has interim car expenses included. If so, then rent a car. The insurer will try its best to cut down incurring expenses, by speeding things up. If everything else fails, visit an attorney.

•             What are the discounts I can avail while purchasing a car insurance policy?

You can at least reduce your premium by 10% to 20%. There are number of discount like the safe driver discount, if you have a clean driving record. If you are the student, having high grades can make you eligible for discounts. In addition, by installing safety gears like air bags, alarms, anti-lock brakes, you can bring down the amount. If you live at a short distance from your office, then too, you can get discounts on your auto insurance in Philadelphia.

It is always wise to do a thorough research before purchasing an auto insurance scheme. This will help you choose the one, which suits your requirements perfectly.

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Frequently Asked Questions About Car Insurance in Philadelphia

There is a saying- it is better to be safe than to be sorry. Most of the times we make huge blunders which cost us heavily because we are not as well informed or updated about certain things that we should be. Matters of money are to be handled very carefully and with prior planning. To avoid major mistakes that might prove to be harmful in the end, one must be very well aware of a few things. Philadelphia DMV strictly recommends every car owners to have car insurance.

Car owners must have car insurance in Philadelphia for their own benefit as well as to abide by the law. Many residents have to plan and apply for car insurance. Before jumping into the decision of choosing a car insurance company, there are a few questions that one must understand. Here is a compilation of a few frequently asked questions regarding car insurances in Philadelphia, which have been answered as well:

Q1. – Largely, there are two kinds of coverage that one can opt for; collision coverage and comprehensive coverage. What is the difference between the two?

Ans. 1- Whenever you will approach a company for auto insurance in Philadelphia, your agent or the insurance company is bound to ask you as to which kind of the two coverage do you want. Since most of us novices are clueless regarding these two terms, here is an elaborate explanation.

•             Collision coverage– This coverage will be provided to you if, and only if you have an accident or collision with another vehicle. If you sign up for this insurance plan then in lieu of the premium given to the bank, when an accident happens the repair work expenses will be funded via the insurance plan. This particular type of coverage will come into play only when the car is damaged due to an accident.

•             Comprehensive coverage – Suppose due to a small spark in the engine your car catches fire or suppose it is subjected to theft! What would you do then? Your comprehensive car insurance in Philadelphia will look into these matters and will provide financial support in such cases.

Tip – Now that you understand fairly the basic difference between the two kinds of coverage, depending on your usage of the car you will have to decide whether to either go for one of the two or opt for both. Usually cars plying on a daily basis have both the comprehensive and collision coverage insurance.

Q2. – Supposedly, I have a few tickets to my name in my driving record. Will this directly influence the amount of premium that I will have to pay?

Ans. 1- This is indeed one of the many pertinent questions, which people ask about a lot. Whenever an application for insurance is submitted after going through the various auto insurance quotes in Philadelphia, the insurance company that you have selected will check with the Philadelphia DMV and will confirm your details and see to it whether they are in order or not. Usually it depends on the insurance company as to how much effect your driving record will have on your premium amount. It is but natural that drivers who have histories of rash driving are likely to encounter many more accidents on the road. Just for this reason, most of the insurance companies increase the premium amount by a certain percentage if there is a history of rash driving in the recent by gone years.

Q3. – Will being a member of the motor club provide me with the services of a rental car in cases of emergency?

Ans. – To understand the need of a rental car service one needs to understand first its necessity. Nothing is planned on the road and it might so happen that you meet with an accident! Your car is badly damaged and it has to be sent to repair the cost of which will be borne by the car insurance in Philadelphia. Now, your one and only car is off to servicing and you know that it will take few days before it can be used again, so what should you do? This is when your rental car services coverage comes into play. If you sign up for this coverage then when the time demands you will get a rental car at your disposal provided by your insurance company until your car comes back from servicing. When you are applying for auto insurance in Philadelphia, if you are a member of the motor club, then it will take care of the services like towing, providing batteries in case there is an emergency but it certainly does not guarantee a rental car at your disposal. Therefore, if you know that you will need a car during the interim period then do sign up for rental car coverage plan.

Q4. – I have not received a full coverage that I think I should have received after a serious accident to my car. Why is that so?

Ans. – This complain has been heard typically by many insurance agents and companies from their customers. When it comes to paying money to the client in case of an accident, what the insurance company does is that they pay to a certain actual value of cash. This value is determined by the market price of the car not at the time that it was bought but at the time just prior to the accident. Now, there are times when one client feels that they have not received a suitable amount, which the damaged car deserves. If anyone feels that the company providing car insurance in Philadelphia is by any chance not paying the due amount, one can always negotiate with them.

Therefore, now that you are armed with the answers to some of the most commonly asked questions; do plan carefully before you deal with any companies of auto insurance in Philadelphia.

Why Insure Your Vehicle With Philadelphia Cheap Car Insurance

The issue of money is just one of the most complicated problems to encounter in life. By proper management of finances, even the ones with average income will be able to enjoy a quality life. There are various ways to manage money cost-effectively. We insure almost everything important. Medical health to car insurances ensures our safety against financial burden in case of unfortunate happenings. We spend a huge amount of cash for monetary safety but we hardly realize that there can be other alternatives. Take purchasing car insurance as a sample. Why settle for the first choice if you can find Philadelphia cheap car insurance that has the same coverage?  Here is one of the frequently asked questions about auto insurance in Philadelphia.

Q. Do we all need auto insurance in Philadelphia? If yes then why is it so?

Answer. This is a very common question by car owners in Philadelphia. Points to be taken are for legal purposes and for safety grounds.

For the legal issue: The Philadelphia DMV is one of the finest and most operative departments of the state and with vehicle monitoring day and night. Like the other states in US, Philadelphia also has very strict laws and it is mandatory for every car owner to get a hold of auto insurance the moment the vehicle was purchased. If the DMV caught a driver not complying with the laws, he will be subjected for severe penalties and punishments. The vehicle in use can also be confiscated by Philadelphia DMV along with the driver’s license and can also stain the driver’s clean record. This is why it is always better to comply with these laws rather than be subjected to negative consequences.

For safety grounds: Next, you will get into huge trouble and in financial crisis if you get involved in an accident without being insured. If your uninsured vehicle damages another one, not only will you have to pay for legal fines it is also mandatory to bear the expenses for all the damages and people injured. There is also nothing to help you cover the repair cost for your damages vehicle. This is not a matter of a few bucks but a thousand dollars worth of repair. It is always advisable to have your car insured to avoid all these monetary issues.

So, make sure you have Philadelphia cheap car insurance in compliance with the law as well for your financial safety in the future.

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Frequently Asked Questions To Hiring An Agent for Car Insurance in Philadelphia

The beauty of life is that we learn something new each day and grow with every piece of information we gain. For our everyday sustenance and proper lawful living we need to know a few pointers if you reside in a state like Philadelphia since its law and order are abided by everyone. One of the few strict laws that the Philadelphia DMV has is about car insurances. Every resident of Philadelphia must have their car insured for various reasons. It is not a very difficult process to get your car covered but there are few steps which one has to follow. In order to get car insurance in Philadelphia, it is always beneficial to take assistance from an agent. However, there is one particular question involving these agents when it comes to the insurance quotes.

Q. “My agent had quoted a particular amount, but now I am paying much more than the quoted value. Why is that so?”

It is very easy to blame your agent for a situation like this, however, it would wiser to unearth the reasons behind this confusion and sort out the problem rather than going to into blame game. Before going for a coverage plan, we are given a set of auto insurance quotes in Philadelphia which are applicable to attain based on certain official details which are -the distance you drive daily, location of your residence, driving record, age, and the coverage you need. When these details get misquoted by the agent, you end up paying a premium higher than the one quoted to you earlier. Suppose your application for car insurance in Philadelphia you have submitted was at the period you still have a clean driving record but upon inspection before accepting your quote, the insurance company might find that there is some discrepancy in the data. Since you have misquoted in your application, your premium charges will increase automatically.

Sometimes misquotes happen by mistake and can be really costly. False information is provided knowingly to show a clean record but that just might add more dirt to it. Thus it is always best to provide your insurance agent with the correct information. If you think this is applicable, you might just end up paying more than suggested by the auto insurance quotes in Philadelphia. Tell the correct residential address from where your car commutes everyday and the distance it travels on a per day basis. These pieces of information are the deciding factors when it comes to the premium amount.

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