What auto insurance does the state of Pennsylvania require?

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Pennsylvania, like other states, requires auto insurance for every driver or vehicle owner. You can’t register a vehicle without insuring it first.

The state of Pennsylvania does require some insurance that other states don’t, so The Hansen Agency LLC wants you to understand that the minimum insurance you need to drive legally on the roads of Canonsburg, PA differs from the insurance needed in New York or Connecticut.

Pennsylvania Auto Insurance Requirements

Like other states, Pennsylvania’s auto insurance laws require each driver to cover their liability through insurance. Keystone State drivers need a few other policy types, too, to meet their legal burden. These include:

  • Bodily injury coverage in the amount of $15,000 per person
  • Bodily injury coverage in the amount of $30,000 per accident
  • Property damage coverage in the amount of $5,000 per accident
  • First-party benefits (FPB) coverage in the amount of $5,000.

Insurance companies must offer uninsured/underinsured bodily injury (UM/UIM BI) coverage in any auto insurance quote, but the driver can reject it. The state requires the insurer to offer UM/UIM BI coverage in the amount of $15,000 per person and $30,000 per accident.

Protect Yourself with More Than the Minimums

The Hansen Agency LLC recommends that you choose coverage with liability limits that cover your total net worth. Also, insure your vehicle with collision and comprehensive coverage so you don’t need to pay out of pocket to repair or replace your own vehicle.

Contact Canonsburg, PA’s trusted insurer, The Hansen Agency LLC, today. Let us provide you with auto insurance that protects your financial security.

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What is workers’ compensation insurance?

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Workers’ compensation insurance, one of the many types of policies offered by The Hansen Agency LLC to Canonsburg, PA area employers, is an important form of insurance for employers and employees alike. It provides financial protection for both parties in the event of an employee sustaining an injury or illness while on the job.

This type of insurance covers medical costs, lost wages, and other costs related to a work-related injury if it prevents an employee from returning to their job duties. In some cases, workers’ compensation may also pay for rehabilitation services that help injured employees return to work if their condition allows them to do so. 

For employers, workers’ compensation coverage protects them from any legal implications surrounding workplace injuries, allowing them to concentrate on running their business without worrying about the risks associated with on-the-job accidents. It can also help reduce the burden on employers by taking care of employee medical bills, lost wages, and other related costs. 

For employees, workers’ compensation coverage gives them peace of mind when they are injured at work as most states require employers to have this form of insurance in place. This type of insurance helps cover the cost of medical care needed due to a work-related injury or illness, as well as disability payments or lost wages while they are unable to work due to their injury or illness. 

Reach Out To Us

Workers’ compensation is a vital form of insurance that provides financial protection for both employers and employees in case an employee sustains an injury or illness while on the job. For more information about how to protect your employees, give us at The Hansen Agency LLC a call today. We proudly serve Canonsburg, PA and the surrounding areas.

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Tips to make your house more energy efficient

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When it comes to running a home efficiently and cost-effectively, energy efficiency is key. Here are some tips from us at The Hansen Agency LLC to help you make your house in the Canonsburg, PA area more energy efficient and save you money in the long run. 

Tips to make your house more energy efficient

1. Upgrade Appliances:

Older appliances are often less efficient than newer models and can use up a lot more energy than necessary. Consider replacing old appliances with new, Energy Star-certified models that are designed to be energy efficient. 

2. Install Programmable Thermostats:

Installing a programmable thermostat allows you to set temperature schedules so that your heating or cooling system runs at an optimal level when needed, saving you money on energy bills by not overworking your system when it’s not required. 

3. Install Insulation:

Proper insulation throughout your home helps keep the warm air inside during winter and the cool air inside during summer months, thus reducing the amount of energy required for heating and cooling purposes. 

4. Change Lightbulbs:

Incandescent bulbs are relatively inefficient compared to LED bulbs which use significantly less electricity but produce brighter light. By switching out all of the regular lightbulbs in your house for LED alternatives, you’ll save money on electricity while still having plenty of light in your home! 

5. Unplug Unused Appliances:

Your appliances may still be sucking up electricity even when they’re turned off because most of them stay plugged into their wall sockets 24/7– even when they’re not being used! 

Get Home Insurance Today

By implementing these tips into your household routine, you can significantly reduce the amount of electricity being used in your home and contribute towards a greener environment at the same time! For more tips, and for coverage options for your home, call The Hansen Agency LLC today. We proudly serve the Canonsburg, PA area. 

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What to Expect When Filing a Claim for a Car Accident

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Your auto insurance policy helps you in case you are involved in an automobile accident. If you have never been in an accident before, you may be unsure of what to expect when you find yourself involved in your first accident. The Hansen Agency LLC, serving the greater Canonsburg, PA area, details what you should expect when you are filing a claim for a car accident. 

Provide Your Insurance Company With the Necessary Information

The first step is actually to file the claim. Many insurance companies allow you to call in a claim or file a claim online. You will need your information, including your name, policy number, driver’s license number, and license plate information, as well as the information for the other party. Have all of this information on hand to speed up the claim filing process. 

Have Your Car Inspected

The next step will be to have your car inspected. The insurance adjuster may come to you, or they may tell you to bring your car to a specific location. Your car will be inspected to determine what type of damage it has and if the damage is repairable or if your car should be salvaged. 

Select a Body Shop to Have the Repairs Made

If the claim is approved, you can select your own body shop to have the car repairs completed. The body shop will bill the insurance company less any deductible you may owe, for the repairs that are made. 

Contact Us Today

Car accidents happen. If an accident were to happen to you today, would your car insurance policy provide you with the coverage you need to get your vehicle back to its pre-accident state? Here at The Hansen Agency LLC, serving the greater Canonsburg, PA area, we can review your existing policy to see if it meets your needs or help you to find a policy that will best meet all of your needs in case the unexpected happens. Call us to learn more. 

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4 Ways to Protect Your Business From a Lawsuit

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In today’s business landscape, lawsuits are becoming increasingly common. Whether your business is large or small, it can be costly and time-consuming to defend yourself against a lawsuit. At The Hansen Agency LLC, serving Canonsburg, PA, we understand how important it is to protect your business from legal action.

Here are four ways to reduce the risk of being sued and protect your business from a potential lawsuit:

1. Understand Your Legal Obligations

You must understand all the legal obligations of running a business, such as a contract, labor, and tax laws. Know what laws affect your company and stay up-to-date on any changes. It’s also a good idea to consult an attorney specializing in business law if needed.

2. Have Solid Contracts and Policies in Place

Ensure your contracts are airtight and have the necessary legal documents for your business, such as a detailed employee handbook. This will help protect you in the event of a dispute.

3. Practice Good Risk Management

Implementing good risk management practices can help protect your business from litigation. Have an up-to-date insurance policy that covers potential lawsuits, and make sure you know any laws or regulations that may be relevant to your industry. Having procedures for handling complaints or disputes can also help reduce the risk of a lawsuit.

4. Monitor Your Employees

Make sure your employees understand and follow company policies. Monitor employee behavior to ensure they follow the law and represent your company ethically. It’s important to address any issues promptly if violations occur, as this can reduce the chances of a lawsuit.

Secure Your Business Today With The Right Coverage

At The Hansen Agency LLC, serving residents of Canonsburg, PA, we offer comprehensive legal services to protect your business from a lawsuit. Our experienced attorneys are here to help ensure that your documents, contracts, and policies are up-to-date and legally sound. Contact us today to get started.

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How To Make Sure Your Home Has The Necessary Coverage

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One of the most important things you’ll ever do for your home is to make sure you have the right home insurance policy. With that being said, determining the necessary coverage is critical. When you have the right coverage for your home, you’ll have peace of mind knowing that you and your family are protected from unexpected events. The Hansen Agency LLC can help residents in Canonsburg, PA get the right home insurance protection.

Here are a few guidelines to follow:

Know What Your Coverages Mean

Your home is your castle, so you need to make sure it’s properly protected. That means having the right insurance coverage in place. But what does that really mean? Here’s a quick rundown of the different types of coverage that are typically part of an insurance policy.

  • Dwelling: This is the basic coverage that will protect your home and belongings in the event of a fire, theft, or another covered disaster. Make sure you have enough coverage to rebuild your home if it’s completely destroyed.
  • Liability: This coverage protects you personally from any injuries or property damage that you cause. It’s especially important if you have children living at home, pets, or other people who may be at risk of injury in your home.
  • Personal property: This covers your belongings, including clothing and jewelry. To make sure you have enough coverage for all of your possessions, go through them and make an inventory. Then add up the total value of all of your things.
  • Temporary living expenses: This covers your living expenses if you have to live elsewhere while your home is being repaired or rebuilt. You may need to hire a contractor, buy materials and food, or pay for temporary housing.

Get The Right Coverage For Your Home Today

There are also common questions we get regarding deductibles, how much coverage to buy, and what’s covered by a home insurance policy. For more info, please give us a call or request a quote. The Hansen Agency LLC  is happy to answer your questions about coverage for your home in Canonsburg, PA.

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Three mistakes to avoid when you purchase auto insurance

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Consumers need to avoid mistakes when they purchase auto insurance that could cost them down the road. We’re devoted to helping our clients meet their insurance needs in Canonsburg PA at The Hansen Agency LLC. 

The following are three mistakes consumers in Canonsburg PA should avoid when it comes to auto insurance. 

Buying the first auto insurance policy that you come across

Shopping around is one of the most important steps to finding a good auto insurance solution. You should do your research on insurance providers offering auto coverage in your area. Then, you should get quotes from a few different providers.

While costs are important, you shouldn’t simply choose the insurance policy that has the lowest premium amount. You should also evaluate factors such as the coverage amounts each policy offers as well as the reputation insurance companies have for providing good customer service.

Choose the quote that will offer you the best value to find the right auto insurance policy. 

Choosing a deductible that’s too high

A high deductible may be a big problem if you get in an accident and have to file a claim. Make sure that you’ll always have enough money out-of-pocket to cover your deductible amount. 

Getting only enough liability coverage to meet basic legal requirements

You only have to carry enough liability coverage to meet the minimum requirements in your state. However, only getting the minimum coverage probably won’t offer you adequate financial protection. You’ll be more financially secure as a motorist if you exceed the basic requirements with the liability coverage you purchase. 

If you have questions about the auto insurance coverage we offer at The Hansen Agency LLC, contact us. We’ll be happy to reply to your questions and inquiries. Find the right auto insurance solution today!

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How to Reduce Accidents in the Workplace

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Workplace accidents can lead to lost time, workers’ compensation claims, and a general decrease in morale. The good news is that there are steps you can take to reduce the risk of accidents in your workplace. The Hansen Agency LLC in Canonsburg, PA knows that by understanding the impact of workplace accidents, common causes, and effective prevention strategies, you can create a safer work environment for everyone.

The Impact of Workplace Accidents

It’s estimated that approximately 2.8 million workplace injuries occur annually in the United States. When an employee is hurt on the job, it creates a ripple effect throughout your business. Not only is your employee out of the office, but their absence may also negatively impact other employees and business operations.

Common Causes of Workplace Accidents (And How To Reduce Them)

Common workplace accidents include:

Trips, slips, or falls

Slipping accidents can occur for various reasons, such as wet or slippery floors, cluttered work areas, or uneven surfaces. Employees can help prevent accidents by being aware of potential hazards and taking precautions to avoid them.

Being struck by an object

There are several ways to reduce the risk of being struck by an object in the workplace:

  • Wear appropriate personal protective equipment (PPE), such as a hard hat, when working in areas where there is a risk of being struck by falling objects.

  • Use caution when handling tools or equipment.

  • Secure loose items and materials.

  • Report any unsafe conditions to a supervisor.

Lifting or carrying injuries

If possible, use mechanical aids such as trolleys, hoists, or conveyor belts to move heavy objects rather than relying on manual labor. When manual lifting is required, ensure that workers use proper lifting techniques. They should bend their knees and keep their backs straight rather than bending over at the waist.

Even when you try to do everything right, accidents can still happen. Let The Hansen Agency LLC in Canonsburg, PA find the right insurance to protect your business today.

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Can a Security System Save You Money on Home Insurance?

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It’s no secret that home insurance rates have been on the rise in recent years. And your rates could be even higher if you live in or near a high-risk area. But what many Canonsburg, PA homeowners don’t realize is that installing a security system may provide them peace of mind and help save money on their home insurance premiums.

Security Systems and Home Insurance

Many insurance companies offer discounts to homeowners who have security systems installed in their homes. These systems deter burglaries and other crimes, leading to your home insurance policy claims.

We suggest you check with The Hansen Agency LLC about requirements before you install a system. Some insurers require specific brands or styles and professional installation. You may also need to purchase a policy rider to cover the system.

How Much Can You Save?

The amount you’ll save on your premium will vary depending on your insurer and the type of system you have installed. But it’s not uncommon to save 5% or more on your home insurance by installing a security system. You may need to update the system over the years to maintain the discount, but it’s worth it for the peace of mind and potential savings.

Other Benefits of a Home Security System

Besides the savings on your home insurance, a security system can also make your home safer. And that’s something you can’t put a price on. Keep your family and belongings safe by installing a security system in your home today.

For more information on home insurance and to get a free, no-obligation quote, contact The Hansen Agency LLC in Canonsburg, PA.

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5 Mistakes to Avoid When Buying Auto Insurance

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Anyone who’s ever had to shop for auto insurance knows that it can be confusing. There are many options, coverages, and providers to choose from, and it’s hard to know if you’re getting the best possible deal. To save both time and money, it’s important to avoid making some common mistakes when purchasing auto insurance. The Hansen Agency LLC in Canonsburg, PA offers this guide in navigating this important topic. 

5 Mistakes to Avoid When Buying Auto Insurance

1. Not Understanding Your Coverage

It’s important to know what exactly your policy covers and doesn’t cover. If you don’t, you could be in for a rude awakening if you ever need to make a claim. Be sure to ask your agent any questions you have about your coverage so that you’re clear on what’s included.

2. Skimping on Coverage

It may be tempting to save money by opting for the bare minimum coverage required by your state, but this could end up costing you more in the long run if you’re involved in an accident. Make sure you have enough coverage to protect yourself financially in the event of an accident.

3. Omitting or Misrepresenting Information

When you’re applying for auto insurance, it’s important, to be honest about your driving history, vehicle, and any other relevant information. If you omit or misrepresent any of this information, it could invalidate your policy and leave you without coverage if you need to make a claim.

4. Choosing the Wrong Deductible

This is one of the most common mistakes people make when buying auto insurance. Be sure to choose a deductible that you can afford to pay if you ever have to make a claim. If you choose one that’s too low, your premiums will be higher, and if you choose one that’s too high, you may not be able to afford to pay it if you need to make a claim.

5. Failing to Compare Policies

Different policies cover different things, so it’s important to compare them before purchasing one. Be sure to look at both the coverage and the price when making your decision. Do not also forget to ask about each policy’s limits, conditions, and exclusions before you make your purchase.

If you’re shopping for auto insurance, avoid making these common mistakes. Be sure to understand your coverage, choose a policy that covers enough, and compare different policies before buying. The Hansen Agency LLC in Canonsburg, PA can help you find the right auto insurance policy for your needs. Give us a call today to get started.

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