FREQUENTLY
ASKED AUTO QUESTIONS FREQUENTLY
ASKED AUTO QUESTIONS 1. ARE AUTO RATES EFFECTED BY WHERE YOU LIVE?
2. WHAT DO I DO IF I'M INVOLVED IN AN AUTOMOBILE ACCIDENT?
3. WHAT ACCIDENTS CAUSE THE INSURED TO PAY A COLLISION DEDUCTIBLE?
4. WHAT ACCIDENTS CAUSE THE INSURED TO PAY A COMPREHENSIVE DEDUCTIBLE?
5. WHAT IS UNINSURED/UNDERINSURED MOTORIST COVERAGE?
6. WHAT IS MED PAY AND WHAT DOES IT COVER?
7. WHAT IS WAGE LOSS / INCOME LOSS AND WHAT DOES IT COVER?
8. WHAT ARE FUNERAL BENEFITS AND WHAT DO THEY COVER?
9. WHY DOESN'T AN AT-FAULT DRIVER PAY MY MEDICAL BILLS??
1. ARE AUTO RATES EFFECTED BY WHERE YOU LIVE?
YES, THE TERRITORY IN WHICH YOU LIVE WILL DIRECTLY EFFECT YOUR INSURANCE PREMIUM.
STATICALLY, CITIES AND LARGER METROPOLITAN AREAS HAVE HIGHER ACCIDENTS PER
PER YEAR THAN SMALLER, RURAL AREAS. AN EXAMPLE, WITH EVERYTHING ELSE BEING EQUAL,
IT COSTS MORE TO INSURE AN AUTOMOBILE IN PHILADELPHIA THAN IN STATE COLLEGE
PENNSYLVANIA.
2. WHAT DO I DO IF I'M INVOLVED IN AN AUTOMOBILE ACCIDENT?
PLEASE REFER TO OUR LINK. IT SHOWS THE NECESSARY STEPS ON HOW TO REPORT A CLAIM.
3. WHAT ACCIDENTS CAUSE THE INSURED TO PAY A COLLISION DEDUCTIBLE?
YOUR COLLISION DEDUCTIBLE MUST BE PAID BY THE INSURED WHEN HE IS INVOLVED IN AN
AT-FAULT ACCIDENT, OR IS THE RESULT OF A HIT-AND-RUN.
4. WHAT ACCIDENTS CAUSE THE INSURED TO PAY A COMPREHENSIVE DEDUCTIBLE?
THE INSURED MUST PAY A COMPREHENSIVE DEDUCTIBLE IF THE DAMAGE IS:
1. THE RESULT OF HITTING AN ANIMAL
2. THE BREAKAGE OF GLASS
3. FALLING OBJECTS
4. THEFT, VANDALISM, OR MALICIOUS MISCHIEF
5. FIRE, WATER, OR FLOOD
6. WINDSTORM OR HAIL
5. WHAT IS UNINSURED/UNDERINSURED MOTORIST COVERAGE?
UNINSURED/UNDERINSURED COVERAGE MOTORISTS COVERAGE IS COVERAGE FOR YOU AND
YOUR FAMILY SHOULD THE ACCIDENT BE CAUSED BY SOMEONE WITHOUT INSURANCE, OR TOO
LITTLE INSURANCE.
6. WHAT IS MED PAY AND WHAT DOES IT COVER?
MED PAY COVERS AN INSURED'S MEDICAL EXPENSES FROM AN INJURY FROM A MOTOR
VEHICLE. IT WILL PAY FOR MEDICAL EXPENSES AND OTHER CHARGES FOR MEDICAL
TREATMENT AND REHABILITATION SERVICES.
7. WHAT IS WAGE LOSS / INCOME LOSS AND WHAT DOES IT COVER?
WAGE LOSS COVERS AN INSURED'S LOST WAGES WHEN AN INJURY ARISES OUT OF THE USE OF
A MOTOR VEHICLE. PA LAW DICTATES THAT WAGES WILL BE REIMBURSED TO UP TO 80% OF
YOUR ACTUAL LOSS OF GROSS INCOME (FOLLOWING A 5 DAY DEDUCTIBLE).
8. WHAT ARE FUNERAL BENEFITS AND WHAT DO THEY COVER?
FUNERAL BENEFITS COVER REASONABLE AND NECESSARY EXPENSES DIRECTLY RELATED TO
THE FUNERAL, BURIAL, ETC. OF AN INSURED PERSON IF DEATH OCCURS WITHIN 2 YEARS FROM
THE DATE OF THE ACCIDENT.
9. WHY DOESN'T AN AT-FAULT DRIVER PAY MY MEDICAL BILLS?
IN THE STATE OF PENNSYLVANIA, THE INSURANCE COMPANY RESPONSIBLE FOR PAYING AN
INSURED'S MEDICAL BILLS IS DETERMINED BY LEVEL OF PRIORITY.
FIRST TO PAY - THE NAMED INSURED
SECOND TO PAY - A RESIDENT RELATIVE OF THE NAMED INSURED
THIRD TO PAY - AN OCCUPANT OF THE MOTOR VEHICLE
FOURTH TO PAY - PEDESTRIAN