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What auto insurance is required in Pennsylvania

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Pennsylvania is not one of the larger states, being 32nd, but when it comes to miles of roads, it is 19th with 250,000. It is a great place to ramble along the back roads and enjoy the scenery and history. Like most other states, Pennsylvania does mandate basic insurance coverage. If you live in or near Milford, PA, the RH Worthington Group is an independent agency that works for our clients. We make sure you have the right coverage for your needs and are in compliance with the law. 

You are required to have auto liability insurance. In Pennsylvania, it is 15/30/5. This is fundamental coverage, with $15,000 injury coverage for a single person maxing out at $30,000 per accident. Property damage is only $5,000. If you drive without auto insurance, you may be liable for the following penalties:

  • A fine of at least $300
  • Your license is suspended for 3 months.
  • A loss of your vehicle registration for 3 months
  • A fee to get your license back
  • A fee to get your vehicle registration back

If your vehicle has an auto loan or is leased, there are other insurance requirements. The vehicle itself needs to be protected with comprehensive and collision coverage. 

But is the required insurance enough coverage to protect you? The simple answer is no. The liability insurance requirements are very low. The $5,000 property damage will leave you paying a lot of money out of pocket if you are the responsible party in an accident with anything but an old clunker. 

Talking to an insurance agent you trust can help make sure you are adequately protected. At RH Worthington Group in Milford, PA, we take the time to get to know our clients and make sure they have all the protection they need. Give us a call to set up an appointment for a no-obligation quote. 

When does a business need to have commercial insurance?

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Anyone from the Milford, PA area knows that the area has a strong population base and continued support for small businesses. While this can provide you with a great place to live, it is also a great place to start a small business. When you start a company in this area, you need to ensure that you get proper coverage for it. There are several situations when having commercial insurance is a necessity.

When Raising Capital

A common situation when a business will need to get commercial insurance is raising capital for its organization. Many small businesses will have to take out a loan or raise equity to move the business in the right direction. Besides getting the money, most companies will have to provide evidence of full commercial insurance coverage first. 

When Hiring Staff

Another situation when you will need to have a commercial insurance policy is when you are going to hire a new team. Once you have started hiring employees, you will need to carry workers’ compensation insurance. This is an important form of coverage that will protect your employees if they get hurt while working. Having this is a requirement once your team reaches a certain size.

Those that are in the Milford, PA area will need to get proper insurance. As you are looking for a new policy here, you should speak with the RH Worthington Group team. If you speak with RH Worthington Group, you will quickly find that the team is experienced and understands the risks of starting a company. They can then provide the guidance that is needed to help you build a new policy. 

Why You Need Home Insurance in Pennsylvania

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Home insurance is a necessity in Milford, PA. It’s a way to protect your investment and your future. Are you buying a new home or looking to upgrade an existing homeowner’s insurance policy? If so, read on to learn the reasons why you need home insurance in Milford, PA, brought to you by RH Worthington Group. 

1. It’s Required

If you take out a mortgage on your home, the bank will require home insurance before giving you a loan. Your house is considered an asset by both you and the bank, and the bank wants to protect its collateral with a home insurance policy. 

2. Protection from Fire and Theft

If something were to happen to your home, like fire or theft, you’d want to be covered financially. If you own your home outright and decide not to get insurance, you would have to pay for everything out of your own pocket. A fire or theft can leave you with a lot of damage to clean up, with the cost going entirely to you. Avoid this with a home insurance policy.

3. Protect Your Asset

Your home is probably the most expensive asset you will ever purchase. Doesn’t it make sense, then, to insure this asset? With a homeowner’s insurance policy, you can be guaranteed peace of mind knowing that whatever may happen, you’re covered. If you have the maximum home insurance policy but are still looking for more coverage, just in case, you can choose to opt for umbrella insurance.

To learn more about homeowner’s insurance, contact the friendly team at RH Worthington Group. Our reputable agents are standing by to take your call and answer all your questions and concerns about home insurance. 

Three advantages of purchasing umbrella insurance in Pennsylvania

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One of the most important things a Pennsylvania consumer can do to protect their assets is to purchase umbrella insurance. At RH Worthington Group, we offer umbrella insurance to consumers in Milford, PA.

 The following are three advantages you can enjoy by purchasing umbrella insurance coverage in Pennsylvania.

Anyone can get sued

It’s important to realize that anyone can face a lawsuit. This is especially true for those who own a vehicle or property.

You shouldn’t assume that you can’t be sued. For many consumers, a lawsuit comes as a surprise. 

If you have assets to protect, you may become a target for lawsuits. Having umbrella insurance coverage gives you peace of mind and provides you with protection if you ever have a lawsuit filed.

Umbrella insurance provides value.

The amount of financial protection that umbrella coverage provides is enormous. At the same time, premium costs are generally reasonable.

This means that umbrella insurance coverage provides you with a lot of value. You’ll get unlimited coverage for your liability risks without having to spend a lot of money every month on expensive premiums. 

Costs for a legal defense in a lawsuit can be high.

If if you win a lawsuit against you, the event will cost you a lot. That’s because legal representation can be costly.

Your umbrella insurance will cover the costs of legal representation if you get sued. This is one of the biggest benefits of having it. 

If you’d like to learn more about umbrella insurance, we can assist you at RH Worthington Group. Get in touch with us to explore your umbrella insurance options in Milford, PA.

Can I have more than one car on my auto policy

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Having a family of drivers can be a challenge. As your children become teens and get to the age where they will be getting drivers lessons and eventually their licenses, you may start to be concerned about how this will affect your auto insurance policy. Without a doubt, it will affect the rate you will pay for auto insurance, but can you add additional cars and drivers to your auto policy? Having an insurance agent whom you trust can make the whole process a lot easier. In Milford, PA, RH Worthington Group is the go-to agency. 

The answer to "Can I have more than one car on my auto policy" is yes! How many autos you can have varies from one carrier to another, however. Most families these days have at least two cars, but if you have several children, it could go as high as four or five. The number of drivers will also rise, maybe even higher than the number of cars. Not every carrier will be okay with these numbers. 

Choosing the right carrier is vital in these situations. If you have a carrier whom you prefer who doesn’t allow the number of cars or drivers you need on one policy, some of them will issue a secondary policy at a significantly reduced rate so they can work with you. 

The good news is we are independent agents, and we work for you, not one carrier. We have top carriers we can shop, and we can find the best coverage for your particular situation and at a price that works for you. At RH Worthington Group in Milford, PA, families are our business and your family in particular. If you have questions about auto insurance that we can help you with, give our office a call to talk to our team. 

Why should a business in Milford get commercial insurance?

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Those that are interested in owning a small business should consider coming to the Milford, PA area. If you choose this area of Pennsylvania to start your business, you can benefit in several ways and enjoy a lot of success. At the same time, it is vital that you protect your organization. One of the best ways to do this is by getting a commercial insurance policy. There are several reasons that a business should get this coverage.

Required by Stakeholders

One reason that you may want to get an insurance policy for your Milford business is that your stakeholders could require it. A company is likely going to have insurance obligations that are set forth by their landlord, investors, and lenders. It is vital that you understand what your obligations are and follow the rules and regulations.

Gives Valuable Coverage

Businesses should also get insurance due to the valuable coverage it can provide. A business owner can receive business property insurance and liability insurance through their policies. Both of these forms of insurance coverage can help to ensure that your company will remain solvent if an accident or other form of loss occurs. 

When you are a business owner in the Milford, PA area, it is crucial that you get a quality commercial insurance policy. However, picking one of these policies can be quite complex. Due to this, it is imperative that you receive the support you need when choosing a policy. The team at the RH Worthington Group can help you to pick a policy that adequately protects your organization. The RH Worthington Group is able to do this by assessing your business needs while also answering any of your questions to ensure you make the right decision for your company. 

Things to Consider When Shopping for Home Insurance

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If you are buying a house, home insurance is a must. It does not only protect you and your home, but it is also a requirement of most mortgage lenders, which means that you cannot get a loan without home insurance. Choosing proper coverage for your home is a challenging task, especially if you have never done it before. In order to help you to make the right choice, RH Worthington Group serving Milford, PA has prepared a list of things you need to consider when shopping for home insurance: 

Specifics

The basic components of home insurance are contents, building, and liability. However, you also need to know the specifics of the particular policy. There are certain inclusions that you may want to add to your policy, but you should be aware of higher premiums. The most common and needed inclusions are damage from natural disasters, earthquakes, mold, flooding, and some others. Some of these specifics do not cost much but may be helpful. 

Deductibles

A deductible is a certain amount of money specified in the policy that you will have to pay out of pocket first, before your insurance kicks in. Deductibles are usually negotiable and can vary greatly. The higher your deductibles are, the less you have to pay for your home insurance. If you do not want to spend a lot out of pocket in case something happens, then the lower deductible with a higher premium might be an excellent option to consider. 

All The Details of The Policy

Make sure you understand well all the terms and conditions of your particular policy. Do not sign any agreement until you read everything carefully. If you have any questions, do not hesitate to talk to your insurance agent, who will provide you with all the information you need. 

If you are a resident of Milford, PA, or any other neighboring town and you are shopping for home insurance, here is the company that you can trust – RH Worthington Group. Our experienced and highly qualified insurance specialists are ready to help you to find the best coverage and answer all the questions you may have. Give us a call today to discuss the options available and get protection for your dwelling.