Pennsylvania Car Insurance – Some Drivers Miss Out

If you have made some research on Pennsylvania auto insurance or PA auto insurance rates, by far you know that besides purchasing the mainstream insurance coverage or policies from PA auto insurance companies, you can also go for self-insurance. For getting yourself self-insured, you’ll be required to submit some essential papers to PennDOT. Firstly, you got to complete the self-insurance application form.

Then you need to go through the formalities of master self-insurance agreement and the security agreement. You also need to submit your present balance sheet along with your income statement. Besides these essential papers, you’re required to submit a security deposit of 50,000 US dollars per vehicle, and another 10,000 bucks for every additional car. These deposits could be funded easily by cash, bonds or treasury bills. You can also submit other types of collateral as well.

Whether you like it or not, you also need to deal with the papers of your auto insurance as a proof along with some other papers that prove your financial responsibility. PennDOT is not set to receive any word directly from your auto insurance carrier. This means that, you’ll need to prove you have met the minimal insurance requirements of the state. For doing so, you need to provide copies of the following papers (sometimes, any one would do) –

* Auto insurance ID card* Declaration page of the auto insurance policy* Insurance binder (but you’re required to resubmit proof once the binder’s validity expires)* Application for Pennsylvanian Assigned Risk Plan (should be signed or approved by your auto insurance agent.* Letter from the insurer which demonstrates your current auto insurance coverage (must be signed or approved by your auto insurance agent or any representative of the auto insurance company).

Did you know that certain penalties apply for situations when someone fails to maintain a minimal financial responsibility? In other words, you got to know the consequences of having proof of auto insurance. Things depend a lot on your actions taken, though. If someone turns in her plates to PennDOT immediately, no penalties apply, but the driver won’t be allowed to drive. And the same thing applies when the auto insurance lapse had been anything less than 31 days or the car owner provides proof she didn’t operate the vehicle in that time frame.

Otherwise, the car driver might face a $ 300 or even higher fine for car driving with no insurance. This could be coupled with a 3-month registration suspension or cancellation of driver’s license. If that happens, you’ll end up with a $ 50 registration restoration fee and another $ 50 free for the reinstatement of driver’s license.

You’ll be sent a formal letter from PennDOT when it suspends all your driving privileges. All you need to do is follow some guidelines mentioned in the official letter to undergo the reinstatement of your driving license or registration. But you also need to bear in mind that nobody is allowed to drive cars on Pennsylvanian streets during the suspension period of the registration. That’s the way PA auto insurance is for majority of the people.

About the Author
1984 Univ of Pitt Grad
Founded Williams Agency in 1986
Am currently active as owner-agent.
Happy to serve over 3500 PA residents with better PA car insurance at much lower prices.

Use and distribution of this article is subject to our Publisher Guidelines whereby the original author’s information and copyright must be included.

Related PennDOT Articles

Drivers License In Tn – How to Search Phone Number

Article by Cornell Colem

A ton of men and women are not knowledgeable that you can really lookup by cellphone variety to perform a background test. Info like the individual

As Winter Prepares To Blow In, Steel Salt Storage Buildings Are On The Rise

Article by Brenda H. Welch

A brisk chill can be felt in the air in many regions throughout the U.S., which serves as a reminder that winter is just around the corner. With the surprisingly heavy snowfalls and freezing temperatures some states experienced in 2010a situation dubbed “snowmageddon” by those living on the East Coast

Increase in Steel Salt Storage Buildings

Article by Elizabeth

Despite the warm weather here in Virginia Beach today, winter is just around the corner. As transportation officials prepare for the cold and snow, salt quickly becomes in high demand to keep the roads passable for travelers during the winter months. In fact, in 2009, the Environmental Protection Agency reported that approximately 11 million tons of salt are used on roadways throughout the U.S. every winter.

The salt is effective for two reasons. First, it helps prevent ice from forming in the first place as salt water freezes at a lower temperature than pure water. Second, the salt bits can help break up ice that has already formed. When a car or truck drives over the salt bits, the weight of the vehicle pushes them downward and backward. These physical forces crack and shatter the ice. The friction also melts the ice and snow, allowing more of the salt to dissolve.

In the past, highway departments stockpiled salt outdoors during the winter months. In recent years, environmentalists and scientists have determined that when a salt pile gets wet, the run-off finds its way into nearby streams and lakes or seeps into groundwater supplies. Because of this, salt must now be stockpiled indoors in industrial storage units.

For the Abbruzzese Brothers – a landscape management company in Hilliard, Ohio – and the Tennessee Department of Transportation, the need for a salt storage unit led them to SteelMaster Buildings, a provider of steel buildings and roofing systems located in Virginia Beach, VA.

Their decision to use a steel building to store their salt was based on many factors. Steel does not rot, warp, shrink, or split, and it’s non-combustible. Steel is also easier to handle, stronger, and less expensive than any other common building material and weighs up to 60 percent less than wood members, which allows for easier transport and assembly.

Although salt is an extremely corrosive material, steel buildings manufactured by SteelMaster offer 100 percent usable space with a clear span arch design that eliminates beams and trusses, thus allowing for enough room to store a large, high pile of salt. The use of a stem wall foundation provides a raised platform for the walls, which helps create even more space for the salt, keeping it away from coming in contact with the steel structure. Flashing and gussets are also used to prevent the passage of water into the steel structure from any angle – an important component to help ensure that the salt stays dry, as dry salt is not nearly as corrosive as wet salt.

Anthony Moore and his brother Wayne own A & W Leasing Corporation in McKenzie, TN and have seven years experience utilizing SteelMaster steel buildings for salt storage through contracts awarded to them by the Tennessee Department of Transportation (TDOT).

In 2003, they bought six SteelMaster buildings for TDOT and built them themselves, a process Anthony says was not difficult at all. “SteelMaster buildings are priced right, made of top-quality steel, and are easy to construct,” says Anthony. “Since we began building salt storage buildings for TDOT in 2003, we have put up eight SteelMaster buildings altogether for that purpose. Each building stores 2,200 tons of salt, and there is plenty of room for the dump trucks and front end loaders to get in there to dump the salt. I had a person from Pennsylvania call me back in August who was interested in buying a SteelMaster for the same purpose and wanted me to share my experiences with the buildings. I told him that we are very pleased with our eight salt storage units, as are the people at TDOT.”

Steel structures for salt storage are becoming even more popular due the recent problems with other types of structures. Last year, Pennsylvania Department of Transportation (PennDOT) announced that 112 of their 146 salt storage structures must be repaired or replaced. The Beaver County Times reported that the steel-framed, engineered fabric building vendor that sold the structures to PennDOT advised that their buildings so not be used during severe weather including snow, sleet and high winds, all common weather elements for Pennsylvania during the winter. The Harrisonburg Patriot News reported that PennDOT would be tearing down and replacing the 112 storage structures because they may be in danger of collapsing.

As opposed to other structures, SteelMaster’s steel buildings in particular remain maintenance free for a lifetime thanks to the company’s use of Galvalume Plus Coating which offers strength, superior corrosion resistance, and an attractive bright appearance that provides excellent heat reflectivity. Each SteelMaster building also comes with a 30-year mill-backed warranty by ArcelorMittal (NYSE MT). A SteelMaster building’s strength also resists fire, earthquake, and hurricane damage. In the spring of 2010, SteelMaster launched its new models that are stronger, better, and cost less than anything else on the market. With these new models, customers benefit from a stronger design that allows for the buildings to withstand higher wind and snow loads in a lower gauge, which allows for significant cost savings.

With thousands of satisfied customers, including buildings located in every state in the U.S., on six continents, and in more than 40 overseas countries, SteelMaster takes pride in knowing its steel buildings have earned the favor of not only the Abbruzzese Brothers and the Tennessee Department of Transportation, but also the Army, Navy, Air Force, Marines, National Guard, Coast Guard, Departments of Corrections, Transportation and Defense, FBI, Public Works, DEA, and the Army Corps of Engineers.

About the Author

Elizabeth writes about the Salt Steel Buildings for storage as 11 million tons of salt is used in the U.S every winter to defrost ice. And also shows how the Abbruzzese Brothers and the Tennessee Department of Transportation opted for SteelMaster Buildings to store tons of salt for the facilities their steel buildings provide.

Use and distribution of this article is subject to our Publisher Guidelines whereby the original author’s information and copyright must be included.

The Causes and Effects of Driving On a Suspended License

Article by Jeremy Smith

Traffic violations can carry heavy penalties for those who are convicted. One of the more serious charges is driving on a suspended driver’s license. While some people are unaware they are violating the law, others are well aware of it and do it anyway. Depending on the nature of the violation, the number and type of related charges and in what state the person lives, they will likely need the services of a traffic attorney to help defend the case.

SuspensionThere are a number of ways that someone can lose their privilege for driving. It can come from previous traffic violations, including reckless driving, driving under the influence (DUI), eluding a police officer and any number of felony convictions related to driving a motor vehicle. Someone can also lose their privilege to drive by having too many points through the Department of Motor Vehicles. There are a number of ways that someone can lose their license to drive regardless of their present driving habits. For example, insufficient child support payments or non-payment of court costs in a criminal conviction in a timely fashion may result in a driver’s license suspension.

CausesDriving on a suspended driver’s license can stem from a variety of events and carries any number of penalties upon conviction. Depending on how the person is caught, there is usually more than one legal charge involved. For example, the individual may have been stopped for speeding or running a red light. There may be an accident with injuries involved that prompts the police to be called. The defendant will need to answer not only to these charges, but may be required to serve any suspended time or penalties involved in previous convictions as a result of a violation of terms.

ConsequencesThis type of traffic charge has a number of consequences that many people do not consider until faced with one. Many states are strict about the penalties for this charge, since it always involves a prior violation of some sort. A fine, incarceration or further suspension may be given in any combination.

EmploymentA driving on a suspended license conviction can affect future employment in a number of ways. Most importantly, anyone allowed to drive a company vehicle during office hours despite a suspension stemming from a previous charge usually finds these privileges removed with a driving on a suspended license charge, as well. Many occupations require a valid driver’s license to perform job duties. When employees do not have a valid license, they either lose their job completely or are demoted to another position that does not involve driving. Some jobs require a security clearance to obtain or keep employment. When someone is convicted of this driving on a suspended license, their ability to pass a security background check will be compromised.CreditA conviction for driving on a suspended license can show up on someone’s background check. It often depends on the nature of what caused the suspension in the first place or how recently it happened. It can prevent people from buying a home, leasing an apartment or getting a job.

About the Author
Jeremy is a freelance copywriter. For more information about driving with a suspended license, please visit Barry R. Taylor and Associates, P.C..

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More Suspended License Articles

Frequently Asked Questions Related to Driver’s License Restoration

Article by Mark Langschied

Have questions related to getting your license restored after a driving under the influence (DUI) or operating while intoxicated (OWI) charge? Below are answers to the most frequently asked questions when it comes to driver’s license reinstatement. Q. I just received my second DUI conviction. What will happen to my driver’s license?A. Two convictions within seven years will result in a one-year revocation of your driving privileges in Michigan.Q. I just received my third DUI conviction. What will happen to my driver’s license?A. Three or more DUI convictions will result in a revocation of your driving privileges for five years.Q. If I’m in sobriety court, can I get a restricted license?A. After January 1, 2011, you may be eligible for restricted license if you are in a sobriety court program and other requirements are met.Q. What is a revocation as opposed to a suspension?A. A suspension of driving privileges is for a defined period of time. For example, a suspension for one year means that you cannot drive for one year, but at the end of one year you can start driving again. However, revocations works differently. A revocation is permanent until you are approved by the Secretary of State to drive. For example, if you have a one year revocation, you would be eligible for a hearing to restore your license after one year. You would have to convince a hearing officer to restore your driving privileges at a hearing.Q. What department of the Secretary of State handles license appeals?A. The Drivers Assessment and Appeal Division handles appeals in Michigan.Q. What is a Drivers Assessment and Appeal Division hearing like?A. It is similar to a trial. You will give testimony to a hearing officer who will decide your case. You will have the opportunity to submit evidence in support of your case and to call witnesses on your behalf.Q. What do I need to prove to reinstate my driver’s license at the hearing?A. You must prove that your alcohol/substance abuse problem is under control and likely to remain that way, that you represent a low or minimal risk of repeating the active drunk driving and that you have the ability and motivation to drive safely within the law. Further, you must prove at least one year of sobriety before the hearing.Q. How convincingly do I have to prove my case?A. You must prove your case by clear and convincing evidence. Stated another way, your case must be a “slam dunk.”Q. What kind of evidence may I submit?A. Alcoholics Anonymous sign-in sheets, treatment records, letters of sobriety, substance abuse evaluation and any other evidence that proves your case.Q. Can I call witnesses on my behalf?A. Yes.Q. Is AA attendance helpful?A. Yes it shows that you are part of a sober support group. However, AA is not always necessary to prevail.Q. After the hearing, how long will it take to find out if I’ve won my case?A. Typically, you will receive the hearing officer’s written opinion in 4 to 8 weeks.Q. If I lose, can I appeal my case?A. Yes

Top 3 Qualities of the Best Suspended License Attorney

Article by David Scott

Are you facing cases of Florida license suspended charge? You have to understand that the motor vehicle laws and regulations in Florida are very strict. Your driving privileges and license can be revoked by the Department of Highway Safety and Motor Vehicles for five years. This means that you can not operate a vehicle for a very long time which could cause great inconvenience for you. Worse, you may find yourself experiencing so much business troubles because you are not allowed to drive a vehicle. For these reasons, you need to find the best suspended license attorney who has the right competency to fight the suspension.

It is easy to find a lawyer who can handle Florida license suspended cases. The bigger challenge is finding the right lawyer with the best professional qualities. There are really few law firms that concentrate on suspended license cases. So you need to practice due diligence when searching for a suspended license attorney. The first step that you can do is to go online to find Florida law firms. This is the easiest approach because most law firms today operate their own websites. Look for a firm that concentrates on traffic violations, habitual traffic offenses, and license suspension. You can filter your search by including these terms. You will know a competent firm if it publishes the profiles of its attorneys. Study the profiles so you can determine if the attorneys can handle your case.

Direct court experience is also one of the most important qualities of a good suspended license attorney. It would be best if the attorney has at least five years experience handling Florida license suspended cases. Experience of the lawyer counts a lot when it comes to fighting your suspension. Traffic offenses and violations may seem simple cases. But in the state of Florida, this is not true. You have to hire a lawyer that has built a solid experience in these types of cases. Remember that your driving privilege is at stake so you should get the best lawyer with the right experience. A seasoned attorney will know how to fight the suspension and how to get favorable ruling for you.

It is also best if you can find a suspended license attorney that can offer free evaluation of your case. More often than not, a typical firm handling Florida license suspended cases will demand upfront fees for initial evaluation. Do not waste your time and money on such firms because there are lawyers who can give you a free case evaluation. There are two ways to get a free case evaluation. First, you can call the firm and request to speak to an attorney. An assigned lawyer may require you to send a written account detailing the circumstances of your case. The best law firm however can offer direct online service for your case evaluation. You should take advantage of this kind of online service in order to know if the firm’s lawyers are right for you and if they have the right experience in handling your case.

About the Author

Are you looking for the best suspended license attorney ? Visit our website today and get the services of competent lawyers who can fight Florida license suspended cases.

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Driver’s License and Driver Training in Melbourne

Article by Whitejohn

When it comes to drivers license rules, they differ from state to state, so, it’s important to understand what the laws and guidelines are for obtaining license in Melbourne. It’s important to understand these and abides by them. If you are a new driver or are relocating to the area, you should understand the rules and how they differ from where you are moving from to be sure you are compliant.New License in Melbourne

Drivers License in Melbourne When applying for new drivers license in Melbourne there are several steps that need to be taken. They are briefly discussed below:

Applications need to be made in person at your local license office. You will be required to pay for the license in Texas when you apply, rates will vary based on age. The following documents must be presented: document confirming australian citizenship, proof of social security number, proof of vehicle registration in melbourne proof of liability insurance and completed license in melbourne application. At the drivers’ license in melbourne office, you must agree to be photographed, fingerprinted, and sign for your new license. Written, driving, and vision tests must be passed. A vehicle must be presented for inspection and used for the driving test.

Renewals and Changes Drivers License in Melbourne

As with new drivers license in melbourne, the rates also vary based on certain age groups. You can renew online if your card expires within a year and has not been expired more than 2 years. The last renewal is required to have been made in person. Vision, physical, and mental condition should be the same. You cannot renew online if you have outstanding warrants or tickets. You must also be a australian citizen with a SSN on file. When applying for a change of address for your drivers’ license in melbourne your license must be current, you must be over 18 years old, have no outstanding traffic tickets or wants, and be a australian citizen. Name changes must be done within 30 days of the change and can only be processed in person at a local office. The fee is $ 11 and you must present proof of the name change, examples are marriage licenses or divorce decrees.

melbourne laws differ from other states on how to obtain your license, by following the above guidelines you can be sure you’re on the right path to receiving your drivers license in Melbourne. http://www.darshandrivingschool.com.au/driving-class/north-melbourne/wildwood.html

About the Author

I am the webmaster and an article writer for Darshan Driving School, one of the best driving schools in Melbourne, Australia. Our driving school serves all suburbs of Melbourne.

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PennDOT’s Summer Driving Safety Tips

Article by Iver Penn

Summer is here and once again, and with it PennDOT reminds motorists to ensure their vehicle is well-maintained and working properly to ensure safe travel during the summer months.So before you head to that favorite summer destination make sure you check out your car’s parts. Engine hoses and drive belts should be inspected by a mechanic for wear, and the cooling system should be checked to be certain that it is functioning properly to help avoid over-heating. In addition, have the battery checked because battery failure is a common problem during hot weather. You do not want to get stalled in the middle of traffic in stifling weather with a dead battery.Motorists should also regularly check fluid levels and tire tread depth. A simple way to check the tire tread is to insert a penny in the tread groove with Lincoln’s head upside down. If you can see the entire head, your tires are worn and should be replaced. Make sure the tires are properly inflated for maximum fuel efficiency as air pressure inside during hot weather can make the tire can expand, causing a blowout if the tire is in poor condition.Hot weather can also contribute to problems on roadway surfaces. According to PennDOT, extreme heat causes oils deposited from vehicles to be absorbed into the road. Rain forces these oils to the surface, creating slick spots. Motorists should use extra caution while driving during a rainstorm, particularly after an extended period without rain.PennDOT also suggests the following tips for safe summer driving:

Never leave children or pets unattended in a vehicle, which can heat up quickly during hot weather. When traveling a long distance, try to plan your trip for early in the day or later in the evening when the weather is cooler. Carry a cell phone and charger in case of emergency. Carry extra water and non-perishable food. State law requires headlights to be turned on any time the wipers are in use due to rain, fog or other conditions. Remember to always buckle up and never drink and drive. And of course, don’t forget to fasten your GMC seatbelt before you go.

About the Author

Iver Penn is a Mass Communications graduate who hails from Wyoming. She is at present an associate editor of a publishing company in Colorado.

Use and distribution of this article is subject to our Publisher Guidelines whereby the original author’s information and copyright must be included.

PennDOT & PA State Police Remind You That DUI Leads to Getting Your License Suspended

Targeted Drunk Driving Enforcement Will Cause Your Pennsylvania License To Be Suspended For Labor Day DUI Violations.

8/28/2012

Enforcement to Increase Awareness of Drugged-Driving as well as Drunk-Driving.

Harrisburg – Pennsylvania State and local police, along with PennDOT, will take part in a national enforcement effort through Labor Day on Sept. 3, targeting motorists driving under the influence of drugs or alcohol.

The “Drive Sober or Get Pulled Over” effort will target impaired drivers and highlight the worsening problem of drugged driving.

“As we remind motorists to drive sober for the Labor Day holiday, we also want to raise awareness of the growing safety threat that drugged drivers present,” PennDOT Secretary Barry J. Schoch said. “While overall DUI crashes are trending downward, we’re seeing a troubling increase in drug-related crashes each year.”

Suspended driver being pulled over

PennDOT statistics for 2011 show there were 3,073 drug-related crashes statewide, with 116 fatalities in those crashes. That marks an increase from 2005, when there were 2,073 drug-related crashes and 89 fatalities in those crashes statewide.

In comparison, the same data shows that alcohol-related crashes decreased from 13,350 in 2005 to 11,778 in 2011. Fatalities in those crashes decreased from 582 in 2005 to 425 in 2011. During last year’s Labor Day weekend, there were 111 alcohol-related crashes and three fatalities as well as 22 drug-related crashes.

“Motorists who drive while under the influence represent a significant danger – not only to themselves, but to everyone on the road,” said State Police Commissioner Frank Noonan. “During this nationwide campaign, troopers will be especially vigilant in identifying and removing impaired drivers from our highways. Enjoy the holiday, but make safety a priority.”

Statewide police statistics show that there were 50,413 driving under the influence (DUI) arrests in 2011, a decrease from 52,126 in 2010. Driving under the influence of drug arrests continue to account for a larger percentage of these arrests, with 13,907 such arrests in 2011, an increase from 11,808 in 2010.

The legal blood-alcohol content in Pennsylvania is 0.08 for motorists over the age of 21. For underage drivers, the blood-alcohol limit is 0.02 percent. Driving under the influence penalties can include jail time, license suspension and fines of between $500 and $5,000.

Pennsylvania’s DUI Task Forces, the Pennsylvania State Police and local law enforcement statewide will conduct checkpoints and roving patrols as part of the crackdown.

Funding comes from part of PennDOT’s statewide distribution of $4.2 million in federal funds from the National Highway Traffic Safety Administration.

Visit www.JustDrivePA.com for more information on impaired driving and PennDOT’s other important traffic-safety initiatives.