Got insurance questions, we got answers.
What do I need for an Auto ID when traveling in Canada?
Canadian Auto ID Cards
A U.S. traveler in Canada is required to carry a motor vehicle liability card, plus vehicle ownership papers. A copy of the automobile policy is recommended to be carried. You should also carry a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card which is strongly recommended.
The Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card is proof of that your US auto policy liability limits meet the minimum requirements for all Canadian provinces and territories and that your coverage extends to Canada and its territories.
U.S. travelers who do not carry a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card and are stopped by Canadian police or are in an accident while driving in Canada risk being fined or having their vehicle impounded until proof of proper coverage is obtained.
It can take 2 to 3 weeks for the new cards to arrive so please plan accordingly. Agents do not have access to the required yellow card stock necessary to issue these cards.
Do you offer free quotes?
Yes, all quotes are free. For auto and/or home insurance quotes, for your connivence, you can complete our full quote form online: Full Quote Form
Do I have to come into the office to get a quote or purchase a policy?
No, we can do quotes on the phone, in person, or by video call. Policies can be handled very much the same way and can be finalized by e-signature.
What discounts are available to save on Insurance?
Our carriers offer a variety of discounts, such as prior insurance discount, automatic payment discount, multi vehicle discounts, multi policy discounts, and more.
What is a deductible?
When filing a claim, the deductible is the amount on your policy you choose to pay out of pocket. This is true for both home and auto insurance.
Do I need insurance to register a vehicle?
Yes, in PA, PennDOT requires all motor vehicle owners to provide proof that they are financially responsible (have liability insurance) at the time of initial registration.
Is there a discount for an alarm system on a vehicle?
Yes. Comprehensive Coverage will be discounted depending on the type of alarm system.
What is the difference between Limited Tort Coverage and Full Tort Coverage. for Auto insurance in PA?
Full Tort permits an unrestricted right to seek financial compensation for injuries caused by other drivers. Eligible Insureds may seek recovery for medical and other out-of-pocket expenses and may also seek financial compensation for pain and suffering or other non-monetary damages.
Limited Tort limits the right to seek financial compensation for injuries caused by other drivers. Eligible Insureds may seek recovery for medical and other out of pocket expenses but not for pain and suffering or other non-monetary damages unless the injuries suffered fall within the definition of serious injury or unless one of several other exceptions (injury caused by an uninsured motorist, an out of state registered vehicle or a drunk driver) applies.
Why Do I Need Business Insurance?
Like any type of insurance policy, business insurance is designed to help protect you against risk. And there’s no shortage of risks that businesses face – especially new businesses and startups. If you open a physical office or location, someone could file a lawsuit after getting injured on your property. If a client is unhappy with your work, they could sue you for negligence. Your product inventory could get damaged or stolen. Without the proper insurance coverage, your business would be on the hook for all of these unexpected expenses. And if you’re just starting out, that added cost could put you out of business entirely.
Do I Need Business Insurance for a Home-Based Business?
If your business is starting out in your basement, home office or garage, you may think that business insurance is unnecessary. But just because you’re working out of your home doesn’t mean you’ll be covered by your homeowners insurance. Most homeowners and renters policies only go so far and aren’t designed to cover things like destroyed business inventory or customer injuries.
What are the factors driving the increase in insurance rates?
Inflation is one of the main reasons that drive increased insurance rates. Labor shortages may also be a factor.
Additionally, if you have experienced an auto accident, it can increase your insurance rate. According to USA Today, there were 6,102,936 reported auto accidents in the United States. If you need auto or commercial insurance, don’t hesitate to reach out to Donald R. Weaver Insurance Inc.
What are the factors driving the increase in vehicle insurance rates?
Vehicle insurance rates may increase if you own a newer car. If your vehicle has special features, it may increase your insurance rate because it could be costly to replace it. Contact our team for more information on vehicle, residential, and commercial insurance today.
What are the factors driving the increase in home and commercial insurance rates?
The main reasons that home and commercial insurance rates are increasing are due to building material costs and extreme weather. The more that building materials cost, the higher the insurance rate can be. Additionally, the more extreme the weather is in an area, the higher the insurance rate can be. If your residential or commercial property experiences damage from a storm, the insurance company has to prepare for it. Contact Donald R. Weaver Insurance Inc today to get the right home or commercial insurance plan for your needs.
Once I buy a life insurance policy, will my premiums go up?
Permanent life insurance policy, no. Those policies are generally designed so the premiums stay level over the premium paying period of the policy.
With a term policy, yes. Most term policies purchesed today have premiums that remain level for a period of 10, 15, 20, or even 30 years. Once that term period expires, the premium will go up.
Why should I buy life insurance?
The simple answer is, because someone that you love will suffer a financial loss when you die. If your loved one is counting on your income to pay for a mortgage, loans, or monthly expenses. Life insurance can pay those debts off or provide income to pay bills.
When is the best time to buy life insurance?
Premiums are based upon the person’s age when it’s purchased and a person’s overall health. Your premiums will generally be less expensive the younger and healthier you ar
What are the different kinds of life insurance?
There are a few basic kinds; permanent, term and accidental death.
With permanent life policies, you will generally get the lowest amount of death benefit for the premium that you’re paying compared to the other kinds of insurance, but generally your premiums won’t increase, and your policy should last your entire life.
Term life policies offer a much larger death benefit for the same premiums as a permanent policy, but the policy generally only lasts for a limited “term” or period of time.
Accidental death policies usually offer the largest death benefit for the lowest premiums, but most companies will only pay out the death benefit if the insured dies from an accident and not from natural causes.
