PA INSURANCE – PENNSYLVANIA INSURANCE LAWS & TIPS FROM MILLER CARLISLE
Advice from Your Hometown Insurance Agency Covering All of Pennsylvania Since 1978
Call Us at 717-243-4400 or Email [email protected] To Learn More
We admit it: In Pennsylvania, insurance can get a little complicated. Heck, that’s why it takes the service of experienced professional agents like the staff at Miller Carlisle to fully understand the intricacies of each type of plan, and to know the smartest ways to blend the business with the personal and arrive at a customized suite of policies – home, auto, life, health, Medicare supplement, etc. – that takes your unique situation into account and is tailored just for your needs.
That’s one of the advantages of working with an independent insurance agency in Pennsylvania: We can obtain coverage from a wide range of reputable providers with a license to do business in the Commonwealth, so we can and will find the best policies at the best rates.
And we know what we’re talking about when we’re talking about the best insurance coverage in Pennsylvania – car, homeowners, healthcare, life insurance, all that.
Top Things To Know About Insurance in Pennsylvania
Get Familiar With the PA Insurance Department
No matter which insurance agency or company you deal with, as a Pennsylvania consumer and taxpayer it’s to your benefit to know about the Pennsylvania Insurance Department. In addition to being a cabinet-level department charged with regulating insurance rates and policies in the Commonwealth of Pennsylvania, the PA Insurance Department is an excellent resource for general information about the consumer’s rights and the carrier’s responsibilities, and for understanding what coverage is approved and what isn’t. One may also file a complaint with the department’s customer service using an online form.
But there’s no better way of knowing than to learn something for yourself, and this page is meant to convey a few basic pieces of legal information so that you might understand a bit more about how this whole insurance thing really works.
Top Things To Know About Car Insurance in PA
Check To Make Sure Your Policy Meets Required Minimum Limits
When you obtain auto insurance, the insurer is required to account for coverage of at least $15,000 per injury and $30,000 per accident. This implies that the car insurance carrier would be liable only for up to two injured persons. In most instances, this level of coverage might be considered under-insurance, especially in Pennsylvania.
Hold in your mind the fact that Pennsylvania is a no-fault state when it comes to the role of insurance post-incident. Being a no-fault state means that each party is responsible to submit a claim request to their own insurance provider, regardless of which party is judged to have caused the accident. So, you better have enough coverage to cover at least yourself. Check with a Miller Carlisle agent to determine the amount of coverage your situation would require.
Oh, and by the way, don’t drive on Pennsylvania roads without a print copy of your proof of insurance. You could lose your driver’s license and/or your vehicle registration for three months, plus pay a fine.
Top Things To Know About Health Insurance
Be Sure the Plan You Apply For Has Everything Provided
Health insurance is infamously tricky. Perhaps you can think of other adjectives you’d apply to it. Nonetheless, the mountain of regulations are worth knowing about, if for no other reason than to understand what HIPAA really does (and doesn’t do). At its focus, its provisions are intended to safeguard the rights of patients, particularly as it pertains to their personal private health information.
Some of the regulations encoded by the Health Insurance Portability and Accountability Act include:
- Access to coverage for employers and individuals is guaranteed. Renewability of coverage is also guaranteed.
- Guaranteed enrolment for those who lost their health coverage, got married, or added a new dependent.
- Prohibition of discrimination due to health status.
Click on over to the federal government’s Health & Human Services Department’s webpage and read up on HIPAA regulations. Print them out, if that’s an easier form for reading. They’re important provisions. They exist in the service of making sure only authorized parties are approved to have permission to obtain your health information, and even then only by their making the proper request and you filing the appropriate forms.
Something To Know About Medicare
Beware of Anyone Pretending To Be a Medicare Agent
Medicare has no agents. It’s a government program. If anyone says they’re a Medicare or Medicaid agent, look at them cross-eyed. They’re not being entirely accurate.
However, there are such products as Medicare supplement plans, and for many seniors across Pennsylvania it might be a wise idea to investigate that possibility. But make sure you do so with the service of a qualified, experienced, independent Pennsylvania health insurance agent at Miller Carlisle.
Top Things To Know About Life Insurance
There’s a Policy Out There That Fits Your Needs Today
People don’t like to talk about it, but the most prepared definitely plan for it. What about money in the event of your death? The inevitable will come, hopefully not for a long time, but if you were to get hit by the proverbial bus, what’s the financial situation going to be?
Life insurance is not one-size-fits-all; term insurance is the solution in some cases, while a permanent policy like whole life or universal or variable makes the most sense to accomplish more goals.
A lot of people have reservations about buying a life insurance plan, and that’s understandable. But those who own policies find the peace-of-mind to be almost as valuable as the growing cash value of the policy itself. (Yes, life insurance policies can actually increase in account value. Check with a Miller Carlisle agent to find out how.)
Protect your family and your future with a well-chosen life insurance plan.
We’re the Experts on Auto, Homeowners, Business, Health & Life Insurance
Whatever the Line of Insurance, Trust Miller Carlisle To Service It Right
Not to be maudlin, but a license to sell insurance in Pennsylvania is a sacred thing. It’s a trust that’s been earned by an agent and granted by the authority of a governing body that demands your actions always be geared toward doing what’s best for the client. There’s a reason why an insurance agent in Pennsylvania (and other states) is required to pass a battery of tests to receive that license, then – once it’s issued – take a set of continuing education (CE) courses in order to keep it.
No wonder good insurance agents are hard to find. But it’s also no wonder why we have an entire staff here at Miller Carlisle of approved agents with a top license – because we’ve been providing Pennsylvanians with top-quality insurance options for their car, home, business, healthcare, and even their lives since 1978.
Top Things To Know About Miller Carlisle
Independent Insurance Brokerage Agency Serving Pennsylvania Since 1978
The best way to protect your car, home, other property, and family from financial uncertainty is by insuring them against loss and ensuring your own peace-of-mind.
It’s one of those things that you’ll be glad you did.
Let’s start today. Call Miller Carlisle at 717-243-4400 (or click on over to that contact form on the right-hand side of every page on our site) and request to speak with an agent. We’re a great resource for detailed information on the ins-and-outs of insurance coverage – and as a subsidiary to no one, Miller Carlisle offers the independence you (as the insured subscriber) need in order to get the best possible result from the coverage application we send in for you!
Every person in Pennsylvania has something worth protecting. Make sure you pay only for the protection you need. Go with a tested, trusted insurance agency that isn’t limited in the service it can offer, that states what it does and does what it states, and that always takes your needs into account.