FAQ's FAQs Kelly Insurance Agency, Inc.

What is the difference between Full & Limited Tort?

Limited Tort means you have elected to limit your right to sue for pain and suffering after an accident except in cases of serious injury. Choosing limited tort qualifies you for a reduction in your premium.

Full Tort does not limit your right to sue.   Contact us with any additional questions on your tort options.

 

What is the difference between stacked or unstacked uninsured and under insured motorist coverage?

If you have more than one vehicle on your policy, you can elect to stack your coverage, which means you would multiply your coverage limit by the number of vehicles on your policy (for example:  3 vehicles times 3 = 3 times the coverage). If you elect to unstack your coverage, you only have policy limit per vehicle.

 

If I have an accident, will my rates go up?

If you are at fault in an automobile accident, and the payout from the company is over a set threshold (which varies by company), you will be surcharged for that accident. The normal surcharge is 30% per year for a 3 year period on the vehicle which was involved in the accident.   (This could also vary by company). If you no longer have the vehicle involved in the accident, the surcharge will be applied to a vehicle remaining on the policy.

 

Does my 16 year old with a permit need to be listed on my policy?

No, you do not need to add him as a driver until he passes his driver's test. Anyone under 18 years of age must have their permit for 6 months before they can take the driver's test.

 

How do I get a driver training discount?

In PA, anyone under the age of 21 could be eligible for a driver training discount, if they take a driver training course approved by the PA Department of Education. The person must complete 30 hours of classroom instruction plus a minimum of 6 hours of actual driving practice. A certificate must be presented to qualify for this discount.

 Do I need to purchase insurance from the Rental Car company when I rent a car?

If at least one of the vehicles covered on your policy has Comprehensive and Collision (physical damage) coverage, you are covered for physical damage to a rental vehicle, subject to the same deductibles and coverages found on your policy.  You do not need to purchase the rental company's insurance.  There are some vehicle and geographic limitations and exclusions, so contact us if you have questions.