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2. Myth: I can buy insurance for any type of car.
Fact: Insurance companies do not have to sell you insurance
for all types of vehicles. Check on the availability on insurance
before you buy a vehicle.
3. Myth: If I am in an accident, my insurance company will automatically
pay for a rental car until my car is fixed.
Fact: Generally, an insurance company will pay for a rental
car while your vehicle is being repaired, if you were not at
fault for the accident. But to be certain you are eligible for
this benefit, you must carry this coverage on your insurance
policy.
4. Myth: If I pay the bill, my auto insurance rate will be based
on my driving records.
Fact: All driving records in a household are used to determine
your insurance rate no matter who pays the bill.
5. Myth: If I wreck my car, my settlement will be based on full
replacement or repair costs of the vehicle.
Fact: A consumer's settlement is based on actual cash value
at the time of the loss.
6. Myth: If an insurance agent gives me a quote on my insurance
premium, that's what I will be charged.
Fact: An insurance company may only use a rate which has been
approved by the Insurance Department. An agent's quote is an
estimate of your premium and is not validated until after the
company reviews your driver's profile and operating history.
7. Myth: The Pennsylvania Insurance Department can resolve any
consumer problem.
Fact: Department employees do their very best to help citizens
solve their insurance problems, but they can only enforce existing
insurance laws and regulations.
Remember, the Pennsylvania Insurance Department has an Erie
Regional Office which you can call if you have insurance questions.
They will be glad to answer any questions or investigate complaints
which you may have. The office is located at P.O. Box 6142,808
Renaissance Center, Erie, PA 16512, and the telephone number
is 814/871-4466. Consumers may also log onto the Insurance
Department's website at
www.insurance.state.pa.us.
If you need an attorney and don't have one, the Lawyer Referral and Information Service can help.
Call Us Monday - Friday from 8:30 AM - Noon and 1:15 PM - 3:00 PM
at (814) 459-4411. |
