Auto Insurance

What Type of Auto Insurance Is Required in Pennsylvania?

Posted on by admin

Auto insurance provides financial protection to you for covered perils. There are different types of insurance available to cover various risks you face. Not all types are required under the law. However, depending on where you live, you may need to carry coverage for accidents and injuries you cause to others.

At RH Worthington Group, we help those in Milford, PA, and the surrounding areas to get the type of insurance they need, but also that meets all the requirements they face.

What Does Pennsylvania Require in Auto Insurance?

In PA, you must maintain certain minimum coverages for bodily injury liability coverage and property damage liability coverage. Often, it is beneficial to increase the value of the auto insurance coverage you obtain. It adds additional protections for you. These policies cover other people if you cause damage to their property or cause them harm.

Lender Requirements

In addition to PA laws, there are numerous instances in which you must carry additional auto insurance. If you have a loan or if you lease your vehicle, the lender will require that you have full coverage in place. This may include comprehensive coverage to protect against theft and vandalism. You may need collision insurance, which works to protect your vehicle from accident damage you cause. You may also need to have other forms based on the vehicle you have and any added benefits or features on it.

To find out what your lender requires, ask the lender about these requirements. In most situations, these policies protect your assets.

Call RH Worthington Group to discuss auto insurance in Milford, PA. Let us take a look at the coverage best suited for your needs.

Auto Insurance: Coverage Tips for Long Distance Trips

Posted on by admin

Having adequate auto insurance is essential when planning a long-distance trip. It’s one way to be a responsible vehicle owner and ensure peace of mind during your travels. Consider the following insurance coverage tips and upgrade your auto insurance plan if needed.

Reviewing Your Travel Plans

Start by reviewing your travel plans. Are you driving a long distance for work, or are you planning a leisurely road trip? Understanding the details of your trip, including the number of passengers and the items you’ll be transporting, can help you determine the type of coverage you need.

Different aspects of your trip may require specific types of insurance coverage. Liability insurance, collision coverage, roadside assistance, and personal possession coverage each offer unique protections tailored to various situations.

Accident Coverage

Accident coverage is crucial for long-distance travel. If your vehicle is involved in an accident, liability insurance or collision insurance can provide financial protection. Liability coverage handles expenses if you cause an accident, while collision coverage covers the costs of repairing your vehicle.

Driving on unfamiliar roads can increase the risk of accidents, making these types of coverage especially important for long trips.

Roadside Assistance Coverage

Roadside assistance coverage is invaluable during emergencies. It covers the cost of services like towing, tire repairs, and other basic repairs needed to get your vehicle back on the road. This type of coverage ensures you’re prepared for unexpected situations that may temporarily turn off your vehicle.

Get an Insurance Assessment

Schedule an insurance assessment with RH Worthington Group. An insurance agent serving Milford, PA, can help you select the right coverage to protect you and your vehicle during future long-distance trips. Contact them today to ensure you’re fully prepared for your travels.

Should I Supplement My Auto Insurance with an Umbrella Policy?

Posted on by admin

Auto, home, and other forms of personal insurance protect policyholders against the financial impact of accidents and other events, though there are limits to the protection offered. Insurance policies identify the situations they cover and those they do not, and all policies limit the amount paid on a claim. The "policy limit" is usually high enough to cover most claims, but unusually high claims can exceed the policy limit, with the policyholder left responsible for the difference. Umbrella insurance helps solve that problem, so if you have questions about umbrella or other insurance types, contact our RH Worthington Group team, serving the Milford, PA, area.

Covering Your Potential Liabilities

Most auto accidents are relatively minor. Those involved walk away from the accident and have their vehicles repaired, all covered by their insurance policies. However, if you are involved in accidents causing serious injuries or death, you could face a situation where the liabilities exceed your auto policy claim limits. In those situations, you are responsible for the liabilities exceeding the policy limits, which can put your home, savings, and other assets at risk.

Umbrella insurance handles the situation by paying the liabilities that exceed your base policy limits. Since these situations are relatively few, umbrella insurance activates in a limited number of instances, and since umbrella payouts are infrequent, umbrella insurance premiums are low. This means you can affordably protect against the worst-case scenario and gain an extra layer of protection and the peace of mind that comes with it.

Get The RH Worthington Group Difference

Contact the RH Worthington Group team serving the Milford, PA, area to discuss how umbrella insurance can protect your family or business. Call (570) 409-4900 today to schedule an appointment or stop in the office.

Can An Insurance Company Request an Inspection of Your Vehicle Prior to Insuring It?

Posted on by admin

If you’re shopping for auto insurance, you might be surprised to learn that some insurance companies request a vehicle inspection before issuing a policy. While this isn’t always the case, it’s not uncommon for insurers to want a closer look at your car to assess its condition. At RH Worthington Group in Milford, PA, we’re here to explain why this happens and what to expect.

Why Do Insurance Companies Request Inspections?

Vehicle inspections help insurance companies evaluate the risk of insuring your car. By inspecting your vehicle, they can verify its condition and ensure there are no existing damages that could lead to future claims. For example, if your car has a dented bumper or cracked windshield, they’ll want to document it beforehand to avoid disputes later. Inspections are particularly common with older vehicles, used cars, or luxury models, as these may have unique risks or repair costs.

What Happens During an Inspection?

Don’t worry—vehicle inspections aren’t as intimidating as they sound. Typically, the process is quick and straightforward. A professional inspector will check the exterior, interior, and sometimes under the hood to confirm the car’s condition. They may also take photos for documentation. In some cases, insurers might rely on virtual inspections, where you upload photos of your vehicle, instead of scheduling an in-person appointment.

Do All Insurance Companies Require Inspections?

Not every insurer requires a vehicle inspection, but asking during the application process is always a good idea. At RH Worthington Group in Milford, PA, we work with you to find the best coverage without unnecessary hassle.

Contact RH Worthington Group today if you’re ready to explore auto insurance options. We’re here to help you protect your vehicle and drive with confidence!

Which Size SUV is Right For You?

Posted on by admin

Choosing the Right SUV for Your Needs

Since SUVs are some of the most popular vehicles on the road today, determining the right size and model can feel daunting. Here are some important questions to consider as you shop for your next SUV, ensuring you select the right vehicle for your needs.

Who Will Regularly Ride With You?

Your lifestyle is crucial in your SUV selection. Are you single, or do you have a family to commute with? The first step in determining the size of your needed SUV involves considering the regular passengers of the vehicle. This includes human family members as well as pets that often travel with you. It’s crucial to ensure comfortable and spacious travel conditions for all.

How Much Cargo Space is Necessary?

Once you understand your seating requirements, you can exclude either smaller or larger SUVs from consideration. Next, think about your daily routine. Is there a significant amount of cargo space required? The frequency and nature of your shopping trips may provide the answer. While regular shoppers might not need as much cargo space, those carrying a family to a park several times a week might look for spacious interiors.

Is It Economically Efficient?

Remember, larger SUVs typically mean larger gas tanks and engines. If economy is a priority, you might find yourself looking at subcompact to mid-size SUVs. While larger SUVs might seem less efficient, they also offer some economical features, particularly beneficial to larger families.

While selecting your SUV, don’t forget about auto insurance. Our agents at RH Worthington Group are ready to assist you with a personalized quote. Proudly serving clients in and around the Milford, PA area, we’re here to fulfill all your insurance needs.

Auto Insurance and Tort Options in Pennsylvania

Posted on by admin

RH Worthington Group serves Milford, PA, with auto insurance that helps its residents protect their financial security if they incur injuries in an accident or injure someone else in an accident.

Uninsured And Underinsured Motorist Coverage

By state law, our insurance agency offers uninsured and underinsured motorist coverage. A policyholder can decline this coverage in writing, but we recommend keeping it. Although Pennsylvania considers itself a no-fault state, its drivers can choose one of two tort options if they are involved in an accident. 

  • Limited tort: Under limited tort status, a driver injured in an accident can sue the at-fault party only for medical expenses. 
  • Full tort: Under full tort status, a driver injured in an accident can sue the at-fault party for medical and non-medical costs, such as pain and suffering.

If you do choose to keep the offered uninsured/underinsured motorist coverage, you will need to choose between limited and full tort coverage when you purchase your policy. 

What Your Choice Means 

Although it may seem odd, you choose in advance whether your coverage will allow you to sue a driver under limited or full tort status. The insurance option you choose applies to every accident you’re involved in. When you renew your insurance at six months or one year, you can upgrade your coverage from limited to full tort. 

Customize Your Auto Insurance Today 

Call or email RH Worthington Group to upgrade your auto insurance. Let us help you protect your financial security while traveling in and around Milford, PA. Our insurance agents can help you design a policy that appropriately protects your finances so you don’t have to pay out of pocket for damage to your vehicle or medical injuries if you’re involved in an accident. 

Auto Insurance Essentials: Your Quick Primer on Coverage

Posted on by admin

In the complex realm of auto insurance, nuances are crucial. RH Worthington Group in Milford, PA is here to simplify. Let’s delve into the fundamentals of auto insurance coverage, focusing on specific types and shedding light on key definitions like medical auto insurance versus collision insurance for car damage.

Decoding Coverage

Auto insurance comprises various coverage types, each with a purpose. At RH Worthington Group, we prioritize clarity in coverage:

  • Liability Coverage: Protects you if you’re at fault in an accident, covering bodily injury and property damage expenses for others.
  • Collision Coverage: Addresses damage to your vehicle resulting from collisions.
  • Comprehensive Coverage: Safeguards your vehicle against non-collision incidents, including theft, vandalism, natural disasters, or collisions with animals.
  • Medical Payments Coverage: Takes care of medical expenses for you and your passengers, irrespective of fault, alleviating the burden of healthcare costs.

Understanding Medical Auto Insurance vs. Collision Insurance

Medical Auto Insurance:

This coverage caters to medical expenses for injuries sustained in an auto accident. It extends beyond your health insurance, covering ambulance fees, hospital stays, surgeries, and rehabilitation costs. RH Worthington Group ensures your medical auto insurance is comprehensive, providing adequate protection for you and your passengers.

Collision Insurance:

Designed to address damages to your vehicle resulting from collisions, collision insurance covers repair or replacement costs. RH Worthington Group emphasizes the importance of collision coverage, especially for newer or valuable vehicles, offering financial security.

Choosing RH Worthington Group: Your Partner in Protection

RH Worthington Group stands out as a reliable partner in auto insurance. With a focus on customization and transparency, our team ensures you grasp the nuances of your coverage. Connect with us in Milford, PA and embark on a journey to secure, informed, and personalized auto insurance. Drive confidently, backed by the expertise and commitment of RH Worthington Group.

Ways to Secure Your Vehicle When Traveling

Posted on by admin

When residents of Milford, PA travel to the bigger cities like Philadephia or New York City, there are some ways you need to secure your vehicle so that you are protected when traveling. 

Securing Your Vehicle

1. Park in Well-Lit and Secured Areas

If you are heading to one of these larger cities, it is vital that you spend a few extra dollars and choose well-lit and secured areas. These parking areas will either have an attendant on-site or have cameras that will deter your vehicle from being damaged. Parking lots with lots of light make it difficult to smash and steal a vehicle without being seen. 

2. Hide Your Valuables

If you have electronics, a purse, or other valuable items when traveling, make sure they are out of sight. Those who want to break in are looking for something quick to grab and run. If they do not see anything valuable in your car, they will probably move on to the next. 

3. Secure Your Windows

While you may habitually lock your car, it is important to make sure the windows are also rolled up. If the windows are cracked at all, it is much easier for thieves to break in undetected and steal your property or even the entire car. 

4. Don’t Leave Your Vehicle Running

Even if you lock your car and plan to use the key FOB or code to get back in, you are setting yourself up for disaster. A running car is easy to break into and take off with. If you leave your keys in the car to crank it, even for just a few minutes to defrost, that is all it takes to steal it. 

RH Worthington Group Is Here To Help

Even with all these tips, you could still be a victim. Secure your vehicle today with auto insurance from RH Worthington Group serving the greater Milford, PA community. 

Auto Insurance Add-Ons for Your Policy

Posted on by admin

As we all know, having auto insurance is crucial to protect yourself and your vehicle on the road. But did you know that there are also additional insurance options that you can add to your policy? At RH Worthington Group, we want to make sure Milford, PA, drivers have all the coverage on their vehicles.

Here are a few auto insurance add-ons you might consider for your policy:

Roadside Assistance

Imagine getting a flat tire in the middle of nowhere, or worse, your car won’t start. Roadside help is an add-on that can be a lifesaver in times like these. This service can provide you with help on the spot, such as towing, jump-starting your battery, delivering fuel, and changing a flat tire. It’s an affordable add-on that can give you peace of mind when you’re on the road.

Rental Car Coverage

If you’re in an accident, this add-on will cover the cost of renting a car while yours is being repaired or replaced. This add-on will cover the cost of renting a car while yours is being repaired or replaced. The cost of a rental car can add up quickly. Having this coverage added to your policy can save you from a significant financial burden.

Glass Coverage

A cracked or broken windshield can happen, and the repair cost can be hefty. Glass coverage is a simple and affordable add-on that can protect you from these unexpected costs. This coverage will cover the cost of repairing or replacing a damaged windshield or any other glass on your car.

Reach Out To Us

If you want to learn more about auto insurance add-ons that can give you peace of mind in Milford, PA, get in touch with RH Worthington Group. Our knowledgeable and experienced team will help you choose the best options for your needs.

The Difference Between Full Coverage and Limited Liability Insurance

Posted on by admin

One of the biggest choices drivers have to make is between “full coverage” and “Limited Liability” insurance. The differences between these two types of insurance are pretty stark and can have a major impact on premiums, what’s covered, and more.

If you have any questions, feel free to reach out to RH Worthington Group, which serves Milford, PA and many other communities.

Let’s dig into the details of both full coverage and limited liability:

Limited Liability Insurance Outlined

Some drivers choose to take out limited liability insurance. In many cases, the insurance premiums for limited liability insurance are cheaper than full coverage from the same company. That said, it’s important for policyholders to read the fine print of individual insurance policies closely.

As the name implies, limited liability insurance only covers certain things. Often, a limited liability plan will not cover damage to the policy owner’s car. Instead, if the driver gets in an accident, he or she may have to cover the damages out of pocket. The driver may also not be covered in the event of weather damage or theft.

Limited liability insurance will often cover damage to other cars caused by the policy owner. This ensures that other motorists will be compensated should they be injured in an accident that wasn’t their fault. Coverage for other parties often includes medical bills and related costs, but once again, each plan should be examined closely.

Full Coverage Insurance Explained

Full coverage insurance, also known as comprehensive insurance, provides expanded coverage. The specifics of the coverage can vary, but some comprehensive insurance plans will cover theft, weather damage, and damage to the policyholder’s car, even if the holder caused the accident.

Give Us A Call Today

If you’re exploring insurance options, contact RH Worthington Group, serving Milford, PA and surrounding areas.