Insurance Articles

When replacing your automobile or homeowner policy with another company, be aware that the new company has 60 days to underwrite (examine, accept or reject) your application.  This may include securing motor vehicle, credit and claim history reports, as well as verification of other information provided on the application.  Your policy can be canceled during the first 60 days for any adverse information, such as accidents, violations, suspensions or prior claims.

Consumers unable to obtain automobile insurance coverage may do so by seeking coverage through the Pennsylvania Assigned Risk Plan. This coverage is available through licensed insurance agents or brokers certified by the Plan.

If the vehicle you own has been damaged, the decision of where the vehicle is to be repaired is yours. No insurer, adjuster, appraiser or agent shall require that repairs be made at a specific repair facility.

Pennsylvania residents may purchase basic fire insurance through the Pennsylvania Fair Plan. If you are unable to secure fire insurance coverage, call any insurance agent or broker to assist you in securing this coverage.

A Pennsylvania homeowner policy in force for more than 60 days may not be terminated for claim frequency alone. The company, however, may apply a surcharge (the right to assess and collect additional premium).

Flood damage is not covered by a homeowner policy. Call the National Flood Insurance Program at 1-888-CALL-FLOOD for information on how to obtain flood insurance.

Warranties, motor clubs, etc. do not have to be purchased as part of your policy.

Sinkholes are not a covered peril in a standard homeowners policy. Protection against sinkhole damage may be "bought back" as an additional coverage to your homeowners policy.