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Wilkes-Barre, PA 18702

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Is the state minimum auto insurance enough for me?

Most states require drivers to purchase auto insurance that meets the state minimum insurance requirements. Whether or not the state minimum requirements are enough for all drivers varies from situation to situation. However, there are a few pointers that help to determine the answer to this question. Our team at The Shay Agency can help Wilkes-Barre, PA residents determine how much auto insurance they need.

What are Pennsylvania’s State Minimum Auto Insurance Requirements?
Pennsylvania drivers must carry bodily injury and property damage liability coverage at $15,000 per person and $30,000 per accident. Drivers must carry personal property damage liability in the amount of $5,000. Conversely, Pennsylvania drivers can reject or opt-out of carrying uninsured and underinsured motorist coverage. 

Is Pennsylvania’s State Minimum Auto Insurance Requirement Enough for Your Car?
Our team at The Shay Agency understands that determining the necessary limits on your auto insurance can be tricky, so you should speak with a licensed insurance representative. 

However, there are some situations that would suggest you need more than the state minimum auto insurance to drive your car. If you have a car loan, it’s often mandatory to carry full coverage auto insurance. This is a safety net for the lender. Should you have an accident, or some other unforeseen event, the lender’s investment can be financially recouped. Although it’s not a state requirement, it may be a requirement for the lender.

Also, full coverage auto insurance is required as well when you’re leasing a vehicle.

On the other hand, if your vehicle is paid off, the minimum requirements are all you are required to carry. However, you may choose to carry more depending on your particular situation. Give us a call. We can help you determine how much auto insurance coverage would be beneficial for your unique situation. 

Auto Insurance After a Lapsed Policy: What to Expect

For whatever reason, your car insurance policy lapsed, and you aren’t sure what to do about it. Thankfully, we at The Shay Agency can help you. We understand what happens when your policy lapses and can help Wilkes-Barre, PA residents work through this difficulty. 

What is Considered a Lapse 

An auto insurance lapse can occur for legitimate reasons, such as getting a new policy option, when your registration expires, or if your car is repossessed. However, many more lapses occur because people do not make their payments on time. It may also lapse if you get into too many serious accidents. 

When your car insurance policy lapses, you may end up experiencing things like a suspended license, suspension of your vehicle’s registration, various fines and fees, and much more. As a result, it is crucial to take steps to reinstate your policy or find a new one as soon as possible. 

Reinstating Your Policy 

If your policy lapses for any reason, you need to find a new policy to get protected. However, some companies may refuse to cover you if you’ve lapsed. You may need to go through a high-risk insurance company at this point, which usually requires you to pay more for your policy. 

As time passes, you can typically transition to better policies with lower premiums and better deductibles. However, the amount of time required for this recovery will vary. Some people may get excellent premiums in a few years, while others may need to stay with this policy provider for years. 

Work With Us to Get Help 

If your policy lapsed, and you need help finding a policy, contact us at The Shay Agency right away to learn more. We’ll take a look at the different options available for your Wilkes-Barre, PA vehicle and will strive to cover you as fully as possible.

4 Add-ons to Boost Your Auto Insurance Policy

If you have auto insurance, you are probably familiar with comprehensive, collision, and liability coverages. But did you know that you can boost the strength of your auto insurance by considering “add-ons” or “riders”? Yes, The Shay Agency Wilkes in Wilkes-Barre, PA, advises you to consider the below add-ons to enhance your auto insurance coverage.

Road assistance coverage

If you own a car, you know breakdowns are part and parcel of the journey. Unfortunately, breakdowns can occur at the most inopportune times. Thankfully, if you have invested in a roadside assistance insurance plan, you can get help when you get a flat tire, run out of gas, or your battery runs out of juice.

A roadside assistance add-on is an excellent choice if you would like to get back to the road quickly after a breakdown.

Engine protection

If your car is damaged through an accident, your collision coverage compensates you for the damage. However, if your engine is damaged by waterlogging or an oil leak, your typical car insurance doesn’t come to your rescue. For this reason, you need an engine protect rider, especially if you live in a flood risk area.

Zero depreciation

As each year passes, your car dips in value. In case of a total loss, your insurance company removes the depreciation factor when compensating you. This way, you have to cover the difference of the depreciation factor from your pocket. However, if you don’t want full compensation for your car, invest in a zero depreciation add-on.

Consumables

During repairs, consumables like filters, nuts, and fluids aren’t covered by your auto insurance. However, you can invest in consumables coverage to avoid financing these minor parts from your pocket.

Get auto insurance today!

Ready to protect your car with insurance? If you are in Wilkes-Barre, PA, and its environs, please get in touch with The Shay Agency Wilkes for a competitive quote.

Coverage beyond basic you might want to have

Basic auto insurance is what is mandated by the state. In Pennsylvania that is liability coverage in the amount of 15/30/5. That means $15,000 for the first person injured in an accident with a total of $30,000 for the entire accident. The $5,000 is property damage. As you can see, that really is basic coverage. At The Shay Agency in Wilkes-Barre, PA our experienced staff places service first, and we will make sure you have the insurance you need. 

Additional liability

Basic liability coverage may be fine if you are someone who doesn’t have a lot of assets. But if you own a home, a business, or anything else of value, you probably should have more than just basic liability insurance. As a matter of fact, having an umbrella policy is probably warranted. 

Collision

Collision coverage provides coverage for your vehicle in the event you are the driver responsible for an accident. Since most people count on their vehicle in order to get to work and do all the things people do, being able to get it repaired or replaced makes good sense. 

Comprehensive 

Life is filled with hazards many of which are beyond your control. If one of these hazards damages your vehicle or your vehicle is stolen, knowing that it will be repaired or replaced provided peace of mind. 

Rental reimbursement

Rental reimbursement coverage will provide a rental car to you when your vehicle is damaged in an at-fault accident or a beyond your control event. The number of days is not unlimited so get your vehicle repaired as quickly as possible. 

Roadside assistance

You may be paying a yearly fee for AAA when the reality is you can spend a lot less getting it through your auto insurance.

Contact The Shay Agency in Wilkes-Barre, PA for all your insurance needs. 

What to do when you get into an accident with an uninsured motorist

What to do when you get into an accident with an uninsured motorist

We buy auto insurance to protect ourselves from the financial losses related to accidents. The sad part? They happen all the time. Despite auto insurance being a legal responsibility in Wilkes-Barre, PA, some drivers still drive without insurance. So how do you get out of such a mess? Here are a few steps experts at the Shay Agency recommend taking if you are hit by an uninsured driver.

Call the police and your insurance company.

Always call the police whenever you are hit by another driver, irrespective of whether they have insurance or not. Calling the police is even more essential if the other party is uninsured, as their report will help in the claim process.

Get information

Most uninsured drivers will try to do something to avoid the law, like running away. Make sure you get the vehicle details as well as their contact in case they make a move. There will always be witnesses and contact information as you will need them when filing a lawsuit.

Gather evidence

Record the time, place, and how the accident occurred while it’s all clear in your head. Take pictures and videos capturing the damage or injuries. You will need this information when getting compensation from your policy if you have uninsured motorist coverage. Get the name and the badge number of the officer attending to your accident, the weather at that time, and any relevant information that can help your insurance company get you fully compensated.

Don’t accept money

Lastly, the uninsured driver might try to bribe you into accepting a certain amount of money to avoid legal repercussions. Remember, you do not know the level of damage on your car and your injury levels. The amount you receive may not be adequate to cover your losses.

Are you looking for an insurance company in Wilkes-Barre, PA? At the Shay Agency, we guide you through your auto insurance policy and ensure that you are adequately covered. Contact us for a deal.

Required Auto Insurance in Pennsylvania

As in other states, Pennsylvania sets its own laws about which types of insurance drivers should have. There are three that are required by the state and several other types that aren’t required but are good to have. If you have questions about your auto insurance or you need a policy, call us at The Shay Agency in Wilkes-Barre, PA to talk with an agent. 

Bodily Injury Liability

One of the required types of auto insurance is a specific amount of bodily injury liability coverage. This pays the medical bills for other parties who are injured in an accident with you. This coverage does not include your own medical bills. 

Personal Injury Protection

This required coverage covers you in case of injuries from an accident. It doesn’t cover other people’s medical bills- only your own. 

Property Damage Liability 

This is also required under Pennsylvania law. This type of coverage covers the property damage that you cause when you are at fault for an accident. It includes both vehicle damage and damage to other property. 

Suggested Auto Coverage

If you have those three types of coverage, you’re legal to be on the road. However, these insurance policies don’t cover everything. They don’t offer any protection for your vehicle, and they provide little in the way of liability. Many people expand their auto coverage so that they are better protected in case of accidents. 

Collision coverage is a good type of policy to have, though it isn’t required. It pays for damage to your vehicle when there is a collision. This can include both repair and replacement coverage. Comprehensive coverage is another suggested policy. This insurance covers your vehicle when it gets damaged or destroyed by a wide range of incidents and accidents. 

Get Your Auto Policy

If you need coverage for your car, or you want to add more coverage to it, give us a call at The Shay Agency in Wilkes-Barre, PA.

Unique Auto Insurance Facts Pennsylvania Drivers May Not Be Aware Of

The Shay Agency is an independent insurance agency that strives to help people find the insurance that they need. We are located in Wilkes-Barre, PA. We offer multiple insurance policies to our clients so that they are covered regardless of the situation.

Auto Insurance

It’s important that every driver have auto insurance. Auto insurance not only protects your vehicle if you are involved in an accident, but it also covers you in the event that you sustain any injuries in the accident. The Shay Agency will help you analyze different types of coverage so that you can make the best decision for your situation. While you are doing research, here are some unique auto insurance facts that you may not be aware of.

Your Credit Score Is Important

In some cases, your credit score may impact your auto insurance policy. So while it may not be weighted as heavily as your driving record for example, having good credit can make a difference.

Pay Attention To The ISO Ratings

The ISO ratings are determined by looking at a vehicle’s model, make, and safety ratings. Primarily, the ISO ratings determine how risky it is to insure your vehicle.

Accessories May Require Special Coverage

If your vehicle has a number of special accessories, you may have to look into an additional policy to ensure that all of the accessories are covered in the event that they are damaged or stolen.

The Differentiation Between Personal Usage and Business Usage

If you are using your vehicle primarily for business purposes, you may need to look into a separate policy compared to if you were using your vehicle primarily for personal usage. Make sure that you inquire about the differences before choosing a policy.

Consult With The Shay Agency

Providing good customer service is very important to us. To learn more information about different auto insurance policies, stop by our office in Wilkes-Barre, PA.

How Does Auto Insurance Work When a Car Is Stolen?

Plenty of people appreciate life in Wilkes-Barre, PA, but it is not immune to the problems that afflict every town and city in the world. Sometimes, bad things happen. Sometimes, that bad thing is car theft. If your car is stolen, it will feel like the world fell out from under your feet, but there is help available. Knowing more about the process can be great for peace of mind, so The Shay Agency wants to walk you through a stolen vehicle claim.

Is It Covered?

The process starts by knowing the answer to this question. If you have liability-only coverage, you aren’t protected from theft. Only policies that specify theft coverage will offer financial assistance in this case. The good news is that most comprehensive plans do cover theft, and your insurance agent took the time to explain this to you. So, assuming you’re covered, you go to the next step.

Making a Claim

The very first thing you should do is contact the police. A police investigation is pivotal to everything else. When the police are on their way, you can go ahead and call the insurance company. They’re going to walk you through important steps to help you with your claim process.

What happens next is different in every scenario, but there are basically two possibilities. Either the vehicle will be recovered, or it won’t. If the vehicle is recovered and undamaged, then you may be eligible for rental reimbursement or another small claim (it all depends on the specific policy), but things are usually pretty simple. 

If the vehicle isn’t recovered, or if it is significantly damaged, you might be looking at a total loss claim. It’s a bit of a process, but the general idea is that the insurance company will write you a check to help you get a replacement vehicle. Every policy has a deductible, so don’t forget that. Also, the size of your payout depends on the value of the vehicle you lost and the details of your policy. It’s best not to have any expectations, good or bad, unless you remember the details of your coverage.

At any point before, during or after the process, you can speak with The Shay Agency. An agent will make sure you understand the important details of your policy so you know what to expect, and you won’t be stuck as a pedestrian in Wilkes-Barre, PA.

Why carry comprehensive and collision insurance on your car

In the state of Pennsylvania, if you are a car owner you are required to carry liability insurance. This protects other drivers on the road from you, which is very good for them but does nothing for you. The question of why carry comprehensive and collision insurance on your car deals with you and your property. If you have a loan on your vehicle, the lender will require that you carry collision and comprehensive but once your loan is paid off, you may be tempted to just carry basic liability insurance. At The Shay Agency in Wilkes-Barre, PA. we are happy to discuss this issue with you. 

Does your car have value

The best way to know how much your car is actually worth is to check the Kelly Blue Book value. In the life of every vehicle, it gets to the point where paying the additional amount for collision and comprehensive is not cost-effective. If the value is so low that it would automatically be totaled in any sort of accident then perhaps you don’t need the coverage. If however, your car is still worth thousands of collars then carrying both collision and comprehensive offers valuable coverage. 

Can you pay to repair or replace

Collision coverage pays to replace or repair your vehicle in the case of an accident where you are at fault. Comprehensive coverage protects you from other damage and from theft and vandalism.  If you can afford to repair or to replace your vehicle with your own money, then you don’t need this coverage. If you are like most people and would find repair or replacement a burden, then this coverage can be a lifesaver and even a job saver.   

If you own a car and live on Wilkes-Barre, PA the team at The Shay Agency would be happy to talk to you about the kind of coverage that is best for you. We invite you to stop by our office or give us a call to get a no-obligation quote and to get any questions you may have answered.  

Are You Guilty of These Bad Driving Habits?

Bad driving habits can, over time, damage your vehicle. Even new vehicle models can be ruined by poor driving. At the Shay Agency in Wilkes-Barre, PA, we encourage our customers to develop good driving habits that will preserve their vehicle and keep them safe on the road. Here are some poor driving habits that will take a toll on your car.

Dragging Brakes

Dragging your brakes will wear out your brake pads and discs before their time, obligating you to replace these parts at your expense. By putting your vehicle in low gear when going down hills, you’ll only need to apply your brakes sparingly to avoid wear and tear.

Overloading Your Vehicle

It’s tempting to overload a vehicle, especially when going on vacation as there’s so much you want to carry. Overloading your vehicle, however, can put a strain on your suspension, drivetrain, and brakes. Review your manual to see how much your vehicle can carry safely. Then try to stay within this limit to protect your car.

Not Slowing Down for Speed Bumps/Hitting Potholes

Hitting an occasional pothole is one thing. If you’re in the habit of going over potholes consistently due to distracted or careless driving, you risk ruining your tires, getting your steering system out of alignment or damaging your suspension. Not slowing down for speed bumps can hurt the front, rear and underside of your car, particularly your exhaust system.

Slamming on Brakes

Sudden braking is sometimes necessary for emergency situations. If you’re consistently slamming on the brakes, however, you’ll wear out the pads and discs much faster than normal. You’ll also consume more fuel.

Good driving habits can protect you and your vehicle as well as save you money on your auto insurance costs. For more information on quality auto insurance coverage at affordable costs, contact The Shay Agency in Wilkes-Barre, PA.