The Role of Pennsylvania’s Assigned Claims Plan for Uninsured Drivers

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Getting into a car accident is stressful enough, but imagine being injured and realizing the at-fault driver doesn’t have insurance. That’s where Pennsylvania’s Assigned Claims Plan comes in. At The Hansen Agency LLC in Washington, PA, we frequently help our clients understand how this state-run program works and when it may be applicable.

Understanding Pennsylvania’s Assigned Claims Plan

What Is the Assigned Claims Plan?

The Assigned Claims Plan is a safety net created by the state of Pennsylvania for people who are injured in car accidents and don’t have access to insurance coverage. This could be because the other driver was uninsured or because the injured person wasn’t in a vehicle at all, like a pedestrian or cyclist. If you don’t have your own auto policy and no one in your household does either, this program may be your only option for basic medical benefits.

Who Qualifies?

Eligibility for the Assigned Claims Plan is specific. You must be a Pennsylvania resident, the accident must have occurred within the state, and you can’t have access to any other source of coverage. If you meet those requirements, you may be able to receive up to $5,000 in medical benefits under the plan. While it’s not a substitute for full insurance coverage, it can be a crucial lifeline during a difficult time.

Why You Shouldn’t Rely on It

While the Assigned Claims Plan is a helpful resource, it has strict limits and doesn’t cover things like property damage or lost wages. That’s why it’s important to carry your own auto insurance—so you’re not left vulnerable if something goes wrong.

At The Hansen Agency LLC in Washington, PA, we’re here to help you stay protected with the proper coverage. Contact us today to review your policy or explore your options.

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The Office of Market Regulation

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If you’re a business owner in Pennsylvania, you’re required to have commercial insurance. Many business owners have questions about their insurance options. If your business is in or near Washington, PA, our team at The Hansen Agency LLC invites you to discuss your insurance options with us. We’ve been building a positive reputation since our establishment in 2015.

The Office of Market Regulation

You’ll be glad to know that the Pennsylvania government has entrusted a group of individuals to monitor and ensure that insurance companies and agents comply with our state’s regulations and standards. According to the Pennsylvania Insurance Department, this group is known as the Office of Market Research. The office’s actions are divided among three bureaus, each responsible for overseeing a specific aspect of Pennsylvania insurance.

According to the Pennsylvania Insurance Department, the first bureau is the Bureau of Consumer Services. This bureau handles insurance complaints from policyholders. The Bureau of Market Actions conducts audits of insurance companies to ensure all insurance agents operate within the statutes of the State Insurance Regulations. New insurance agents and companies must interact with the Bureau of Licensing and Enforcement.

Contact Us for Your Appointment Today

When considering your business, it’s crucial to ensure your insurance choices protect your business assets. Our team at The Hansen Agency LLC is proud to be an independent broker, which enables us to offer you solutions from multiple insurance carriers. Companies in the Washington, PA area have learned they can rely on us for support and insurance advice. Give us a call today, and let us help you get the right insurance.

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Tips for Preventing Water Damage in Your Home and How Insurance Helps

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As your insurance representative, The Hansen Agency LLC, serving Washington, PA, wants you not only to have adequate home insurance protection but also to know how to prevent damage in the first place. Water damage can be costly and disruptive. By taking steps to prevent it from occurring, you’ll be ahead of the game!

1. Detect Leaks Early

Water damage sometimes happens gradually, giving you a chance to catch problems early on. If you notice drips or water spots around your home, don’t ignore them. Investigate further to see if there might be a leak.

2. Clean Gutters and Downspouts

Clogged gutters can cause rainwater to overflow and seep into your home’s foundation, resulting in water damage to the basement or walls. Clean your gutters and downspouts at least twice a year to keep them free from debris. Make sure downspouts are directed away from the house.

3. Consider a Sump Pump

If you live in an area known for frequent rain or a high water table, installing a sump pump can help prevent water from accumulating in your basement.

4. Insulate Your Pipes

In colder climates, such as Pennsylvania, frozen pipes are a common cause of water damage. Insulate your pipes, especially those in unheated areas like the attic, basement, or crawl spaces.

While prevention is key, accidents still happen. Homeowners’ insurance typically covers water damage caused by sudden and accidental incidents. Note that most policies do not cover damage from flooding caused by external water sources, such as heavy rains or natural disasters. For protection against flooding, you’ll need a separate flood insurance policy, available from your insurance representative at The Hansen Agency LLC, serving Washington, PA. Contact us to learn more!

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Can You Be Sued If Someone Else Has an Accident in Your Car?

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Lending your car to a friend or family member might seem like no big deal—until they get into an accident. If that happens, you may find yourself wondering: am I responsible for any damages? At The Hansen Agency LLC in Washington, PA, we help drivers understand how their auto insurance works in situations like these, so they aren’t caught off guard.

Who Bears Responsibility After an Accident?

In most cases, auto insurance follows the car, not the driver. So, if you allow someone to drive your vehicle, and they cause an accident, your insurance policy would most likely be the first to cover any damages. However, if costs exceed your policy limits, the driver’s insurance may be used as secondary coverage.

There are situations where you could be held personally responsible. If you knowingly allowed an unlicensed or intoxicated driver to use your car or lent it to someone with a history of reckless driving, you might be sued for negligence. Additionally, you could face legal action if the accident causes significant damage or injuries beyond what your insurance can cover.

How Can You Protect Yourself?

Before handing over your keys, it’s a good idea to check that the person borrowing your car has a valid license and a solid driving record. Having sufficient liability coverage on your policy can also help protect you from unexpected financial burdens.

Secure the Right Coverage for Assurance

Accidents happen, but the right insurance can help minimize the risks. The Hansen Agency LLC in Washington, PA, can help you find an auto insurance policy that keeps you covered, no matter who’s behind the wheel. Contact us today to learn more!

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Do Your Company Drivers Need a HAZMAT Driver’s License Certificate?

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One of your responsibilities as a business owner is to secure the commercial insurance your company needs. Many business owners have questions about commercial insurance. If you live in the Washington, PA, area and you’re seeking information about insurance, our team at The Hansen Agency LLC is ready to discuss our available commercial insurance options. We’ve been serving commercial clients in your area since 2015.

Do Your Company Drivers Need a HAZMAT Driver’s License Certificate?

If your business owns cars or trucks, you’ll need to secure commercial auto insurance for those vehicles. You might also be wondering about other requirements for your company’s vehicles and drivers. If your drivers transport materials that require a HAZMAT classification, they must have a HAZMAT certification on their CDL driver’s licenses. Drivers are allowed to transport hazardous materials in amounts below the limit that classifies them as hazardous.

According to Truckers Insider, materials are considered hazardous if they meet hazardous guidelines established by the Secretary of Transportation. Marine pollutants and any material classified as hazardous waste are also considered hazardous. According to the State of Pennsylvania’s website, obtaining this certification requires a 90-day process. Applicants must pass a test consisting of 30 questions about hazardous waste materials and then a federal Security Threat Assessment.

Contact Us Today for Your Appointment

As an independent broker, we can provide several insurance quotes simultaneously. Business clients in the Washington, PA area can find answers to all their insurance questions. When looking for a trustworthy insurance agency, you can rely on our team at The Hansen Agency LLC, where you can get the customized policies you need.

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Do You Need Additional Coverage for High-Value Items in Your Home?

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Home insurance is crucial for protecting your belongings in Washington, PA, but does your policy provide sufficient coverage for high-value items like jewelry, fine art, and collectibles? Many people assume that their standard home insurance protects everything, but that isn’t always the case. It’s important to assess your unique situation to determine if you need extra coverage for your most prized possessions.

What Does Standard Homeowner Insurance Cover?

Standard home insurance typically covers personal property, liability, and dwelling protection, offering a safety net against events like fire, theft, and natural disasters. However, most policies come with coverage limits or exclusions for high-value items, such as art, jewelry, and collectibles. While general personal property is covered, valuable items often exceed the limits of a standard policy, leaving property owners underinsured.

Why You Might Need Additional Coverage

Valuable items, such as fine art, jewelry, antiques, and electronics, often exceed the coverage limits of standard home insurance policies. These items are also more vulnerable to theft, loss, and accidental damage, meaning if these events occur, you may not receive enough compensation to replace them. Additional insurance coverage ensures that your high-value items remain appropriately safeguarded.

Contact The Hansen Agency LLC for Insurance

You work hard to purchase and maintain high-value items for your home. Therefore, it’s important to protect your treasures against harm. The right home insurance coverage can provide the protection you need to keep your items safe and give you peace of mind.

Serving Washington, PA, and the surrounding areas, The Hansen Agency LLC offers comprehensive home insurance policies, including coverage options for high-value items. Contact us today to see how we can help you protect your valuables.

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Cross-Border Auto Insurance: Covering International Road Trips

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Planning an international road trip is an exciting adventure, but it also requires careful consideration of insurance coverage for those around Washington, PA. Standard domestic auto insurance typically does not extend to foreign countries, creating a unique challenge for drivers who want to ensure they are adequately covered during their journey. Cross-border auto insurance is essential for those driving on international roads while protecting themselves from potential risks.

Understanding Cross-Border Coverage Requirements

Cross-border auto insurance is designed to address the gaps in coverage when driving outside your home country. In many cases, drivers will need to purchase additional insurance or upgrade their current policy to meet the requirements of the country they are visiting. Some nations may mandate specific levels of coverage, such as liability or collision insurance, to legally operate a vehicle within their borders.

In countries where liability insurance is a legal requirement, failing to meet those requirements could result in fines or even being barred from driving. Research the insurance laws of the country you’re visiting and secure the necessary coverage before you leave. Are there any auto insurers that offer temporary international insurance policies that can be added to your existing coverage for the duration of your trip?

Obtaining Cross-Border Coverage

Contact your current insurer to inquire about international coverage options to obtain cross-border auto insurance. Some policies may offer automatic coverage for short trips, while others may require the purchase of additional insurance. Alternatively, independent providers specializing in cross-border auto insurance can offer tailored plans based on your travel needs.

Contact The Hansen Agency LLC for Your Insurance Needs

The Hansen Agency LLC underwrites policies to fit our customers’ needs. We serve Washington, PA, along with surrounding cities. Reach out today.

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About Workers’ Compensation Insurance

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If you’re a business owner, one of your responsibilities is to purchase commercial insurance. This includes property protection, liability insurance, commercial auto insurance, and workers’ compensation insurance. If you’re located near Washington, PA, and have questions about your commercial insurance options, our team at The Hansen Agency LLC is ready to assist you. We’ve been providing insurance services for companies in your area since 2015.

About Workers’ Compensation Insurance

Workers’ compensation insurance is a crucial type of insurance. Pennsylvania state law mandates that all companies with more than one employee must have workers’ compensation insurance. This insurance covers medical expenses and lost wages for injured employees. According to the Commonwealth of Pennsylvania website, workers’ compensation policies have protected US employees since 1911.

As per the Commonwealth of Pennsylvania Guide to Workers’ Compensation, your company’s premium for workers’ compensation insurance will be based on your annual payroll and how the State classifies your company. When setting up your policy, you may be able to reduce your company’s premium by selecting a higher deductible. Ask your insurance agent about group discounts if you own five or more similar businesses.

Call Us Today for an Appointment

Whether you need workers’ compensation insurance, employee health insurance, or have questions about your existing commercial policies, our team at The Hansen Agency LLC is ready to help. You’ll want to ensure all your company’s assets are protected. Businesses in the Washington, PA area can trust us with their insurance needs. Call us for an appointment today, and let’s talk about insurance.

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How Do You Switch Home Insurance Companies?

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Switching home insurance companies can potentially provide you with better coverage or lower rates, and the process of changing home insurance companies is not complicated. Here at The Hansen Agency LLC, we can guide you through each step if you’re in Washington, PA. Here’s the general process.

1. Find a New Home Insurance Policy

The first step is to find a new and better insurance policy. At The Hansen Agency LLC, we can help you check policy options from several insurers since we’re an independent agency. Our agents are well-versed in home insurance and will work with you to compare coverages and rates.

2. Purchase the Policy

Once you’ve selected a new policy, complete the required paperwork to purchase it. Be prepared to make the first year’s payment in full. Our agents will help you complete all the necessary paperwork.

3. Notify Your Mortgage Lender

If you have a mortgage on your Washington, PA property, your lender needs to be sent your policy details. Namely, they’ll want to see the declarations page. This page details coverages and limits.

Lenders commonly require that the homes they finance are insured, so their financial equity in the house is protected. Not sending them the declarations page could cause the lender to purchase expensive force-placed home insurance. Our agents can ensure your lender gets the declarations page of your new policy, along with any other documentation they want.

4. Get a Refund (Maybe)

If you’ve paid your current policy’s premium in full and are switching before the policy terminates, you may be eligible for a refund of the unused premium. This is usually sent to you.

Contact Your Local Agent Today!

For more information about home insurance and how to switch policies, call The Hansen Agency LLC in Washington, PA, at (407) 982-3266.

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What is an Auto Insurance Deductible?

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At the Hansen Agency LLC in Washington, PA, we understand how confusing insurance terminology can be for many people. Most people read through their insurance policies and find it pretty much like deciphering a foreign language. But that’s where our team of experts come in. We’re here to assist you and ensure you get the most out of your insurance policy.

A common area of confusion is understanding auto insurance deductibles. Essentially, a deductible is the amount you’re required to pay out of your pocket when you file a claim to have your vehicle repaired. It represents your share of the expenses. For instance, if you’re involved in a collision that results in $3000 worth of damage, you would first pay your deductible, and the insurance company takes care of the rest. So, if your deductible is $500, you pay that amount first, and the insurance company covers the remaining $2500. This applies to comprehensive, collision, uninsured motorist, and underinsured motorist property damage claims.

How do deductibles affect your auto premium?

It’s also important to note that the deductible you pay on your auto insurance coverage can significantly impact the cost of your premium payments. Deductibles can vary depending on the insurance company; they could start as low as $250 and could reach up to $1500 or more. The rule of thumb is that the higher the deductible you opt to pay out of pocket for a comprehensive or collision claim, the lower your premium payments will be, and vice versa. For instance, if your deductible is $500, you will pay higher premiums than if your deductible is $1000.

Therefore, you need to consider whether you would be okay with a higher deductible (e.g., $1000 or $1500) to save money on your premiums and whether you can afford the deductible if you have an accident and need your vehicle repaired.

The Hansen Agency can help you decide.

If you’re still wondering which auto insurance deductibles are financially feasible for you, feel free to contact us at the Hansen Agency LLC in Washington, PA, at (724) 436-5142. We’re here to discuss your options and help you make an informed decision. By taking the guesswork out of choosing an auto insurance deductible for your policy, we empower you to make the best choice for your needs.

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