It is Illegal to Drive Without Auto Insurance – Don’t Be Without It

Many people wonder why car insurance is such a big deal. With auto insurance, you do not need to worry about the financial fallout that could occur in the event you are in a car accident. If you live in or near Emmaus, PA, Patrick McNealis Insurance and Financial Group can provide you with auto insurance to protect you from a possible mishap.

Did you know driving without car insurance in 48 states is illegal?

This requirement encourages people to drive with caution and safety.

If you are in an accident or if your vehicle is stolen, the result could be a lot of money spent needlessly. Not having insurance to cover the resulting damage can result in hefty fines or even jail time. Drivers need the protection auto insurance provides.

Collision and comprehensive coverage are not required if you drive an older vehicle or one that is paid off. But everyone, regardless of the age of their care or if it is paid off, is required to have liability coverage to cover any injury to another person.

Types of auto insurance you can purchase:

  • Bodily injury liability is designed to pay medical costs for another if you injure them in an accident where you were at fault.
  • Collision coverage pays for damage to the driver’s vehicle or property. This includes damage caused by a collision with another car or hitting an object such as a lamppost.
  • Comprehensive coverage reimburses you for theft, loss, or damage to your car caused by an incident other than a collision, such as hail, hitting an animal, fire damage, or a falling object.
  • Uninsured/Underinsured motorist coverage protects you in an accident where the driver at fault does not have enough insurance coverage or no insurance coverage.

Let the insurance professionals at Patrick McNealis Insurance and Financial Group review your coverage to ensure you are adequately protected. Contact our office today.

What is the value of having a classic car insurance plan?

Car lovers all over the Emmaus, PA area likely dream of owning their own classic car. If you are a classic car owner, it provides you with a fun vehicle to drive and even a good alternative investment. Getting classic car insurance should be considered a top priority if you do have a classic car.

Protecting Your Car

An important reason that you should get classic car insurance is so you can protect your car and the investment. If you have classic car insurance, the coverage will ensure you are covered if the vehicle is stolen or damaged. Further, you can get coverage up to the full collectible value of your car, which ensures the investment in it is also covered.

Receive Liability Coverage

You also should get a classic car insurance plan to receive liability coverage. If you are going to drive your car, you need to have liability insurance. A classic car insurance plan will give the necessary coverage to ensure you comply with this law but will also reflect your actual risk based on estimated mileage. As classic cars are driven sparingly, this could be advantageous compared to standard auto insurance plans. 

When you are an owner of a classic car, you will undoubtedly want to ensure it is adequately insured. A great way of doing this today is by getting a classic car insurance plan. Patrick McNealis Insurance and Financial Group professionals have helped those all over the Emmaus, PA area understand their options regarding classic car coverage. When you call Patrick McNealis Insurance and Financial Group, you can receive the support you need to build a proper insurance plan. 

Why You Need Renters’ Insurance

For everyone who rents, there are many risks that you face as a renter. Many of these risks can be protected against by a renters’ insurance policy. One of the first things you need to do when renting a new place is to get your renters’ insurance secure. In today’s rental climate, you often have to show proof of being insured before signing that lease. To get your renters’ insurance in Emmaus, PA, call us now at Patrick McNealis Insurance and Financial Group. 

Protection of Your Things

As a renter, most of your things will be located inside your rental. So, what happens if there is an event that damages the rental and your belongings? Your renters’ insurance doesn’t cover the building itself, as the landlord has to insure that. However, it does cover all of your belongings that are inside it. When they are destroyed, your renters’ policy will help you to get them all replaced without the money coming from your own pocket. This can be a big help after a damaging event. 

Protection for Liability

When you have a lease, you are responsible for much of what happens on the property. If a third party were inside your rental and then had an accident, you are likely to be held liable for all the costs resulting from that accident. This includes the wages the person misses after being injured and the medical bills that will be charged. This insurance protects you by paying for all those costs to keep you from having to pay them. 

Get Renters’ Insurance

It’s never a good idea to rent without having a renters’ insurance policy. Call us at Patrick McNealis Insurance and Financial Group to get yours in Emmaus, PA.

Do I Really Need Year-round RV Insurance in Emmaus, PA?

Whether to get full-year RV insurance comes up often, and it isn’t easy to answer. Like most people, you probably give little thought to your RV insurance until you need it. Then, that’s all you can think about! Here’s a look at the pros and cons of full-year RV insurance to help you decide.

The Pros of Full-Year RV Insurance

There are good reasons to get full-year RV insurance in Emmaus, PA. First, if you plan to use your RV often, it’s a good idea to have peace of mind knowing you’re fully covered. Second, if you have a loan on your RV, your lender will probably require you to have full-year insurance. And finally, if you live in an area with severe weather, full-year RV insurance can give you the protection you need.

Your Patrick McNealis Insurance and Financial Group rep is always happy to chat about your unique needs and help you decide if full-year RV insurance is right for you.

The Cons of Full-Year RV Insurance

Of course, there are also some drawbacks to full-year RV insurance. The most obvious one is the cost. Full-year insurance is typically more expensive than insurance that covers only part of the year. If you don’t use your RV often, you may not need the same level of coverage you would need if you used it more frequently.

Making the Decision

Whether to get full-year RV insurance in Emmaus, PA is a decision only you can make. However, your Patrick McNealis Insurance and Financial Group agent can help you weigh the pros and cons and make the best decision for your needs. Call us today to get started!

Protect Your Motorcycle With Insurance This Summer

Summer is a great time to take your motorcycle out to see the country. However, if you’re considering riding this summer, you should also consider ways to protect your bike in the event of an accident. Motorcycle insurance is required by law, and if you aren’t riding the right policy, that could spell significant future risk for you and your finances. The dangers of riding don’t disappear just because the weather is nice. At Patrick McNealis Insurance and Financial Group, serving the Emmaus, PA area, we’re committed to making motorcycle insurance easy and understandable for everyone.

Motorcycle insurance is a reliable way to protect yourself financially during an accident. While defensive riding is always a good idea and will help keep you safe while on the road, mistakes can still happen. Motorcycle insurance protects you from liability if you happen to cause an accident. A proper policy will also help protect your investment in the bike itself. If the motorcycle is damaged or destroyed, an insurance policy can help provide you with the funds to have it repaired or replace it. Having an excellent comprehensive policy gives you peace of mind whenever you take your bike out for a ride.

Contact us at Patrick McNealis Insurance and Financial Group today, and we’ll help set you up with a comprehensive motorcycle insurance policy so you can rest easy, knowing you’ll be financially covered in an accident. We’re proud to serve the Emmaus, PA area and believe you deserve to feel safe and protected on the roads.

How Does Umbrella Insurance Work?

Umbrella insurance is personal liability insurance designed to cover claims larger than what your auto, renters, or homeowner’s insurance cover provides. Here is a breakdown of how umbrella insurance would work for you as a resident of Emmaus, PA.

The circumstances

  • Example 1: If your pet dog gets out of the house and viciously attacks someone walking by or a neighbor, the victim will likely sue you for medical bills, pain and suffering, and lost wages. This liability isn’t covered under your homeowners’ insurance; thus, you will have to settle it out of pocket if you don’t have umbrella insurance. As a result, you could lose all your savings and a significant part of your future earnings. Umbrella insurance will take care of this liability and your legal fees. 
  • Example 2: If you are involved in a 10-car accident, and are the at-fault driver, your auto insurance property damage coverage likely isn’t large enough to replace all the ten damaged cars. Additionally, neither is your auto personal liability coverage huge enough to pay for the medical bills of all the victims. Paying for the damages and medical bills out of pocket will ruin you financially. An umbrella insurance policy will pay for the property damage and medical bills that exceed your auto insurance policy coverage. 

How the Coverage Works Financially

Let’s say you are an Emmaus, PA resident with a homeowners insurance of $300,000. One day you host a party, and a guest slips, falls, and gets injured, and they decide to sue you. If the court awards them a $1 million settlement, your homeowners’ policy will only pay for $300,000; the remaining $700,000 will come from your savings and future earnings. Suppose you have umbrella insurance worth $1 million with us at Patrick McNealis Insurance and Financial Group. The umbrella policy will pay the $700,000 balance for you, thus protecting your saving and future earnings. 

Contact Patrick McNealis Insurance and Financial Group for umbrella insurance assistance.

What is the value of having flood insurance?

Owning a home in the Emmaus, PA area has continued to be an excellent long-term housing option. If you are looking to get a home here, you will want to know that you have the right insurance. In some cases, this can mean having an additional flood insurance policy. A few benefits come when you do get this type of insurance for your home. 

Ensure Covered Against Flood Damage

If you live in an area prone to flooding, it is a risk that you should not take lightly. As you are looking for a way to protect your home, getting a flood insurance plan would be a good idea. With a flood policy, you will have coverage that can help mitigate this specific risk as it offers more support than you may receive through a standard home insurance plan. 

Comply with Obligations

You may also want to have a flood insurance plan as it can help ensure you can comply with insurance obligations. Any mortgage lender is going to run a flood search for your home. If you are in a zone with a heightened risk of flood damage, you will likely be required to carry the proper insurance. Having flood coverage will help you meet this requirement. 

If you would like to get a flood insurance plan for your Emmaus, PA area home, you can start your search by calling the team with the Patrick McNealis Insurance and Financial Group. This can be a complex type of coverage to understand, and calling Patrick McNealis Insurance and Financial Group will help ensure you have the support you need to select your next plan. This can help ensure your home is protected against the risk of flood damage. 

What to know about condo insurance

Patrick McNealis Insurance and Financial Group in Emmaus, PA is the area’s insurance resource. We are here to help you with all of your insurance needs. If you are looking into buying a condo soon, give us a call and learn more about the available options. 

ABCs of condo insurance

Owning a condo can provide you with a lifestyle that requires less maintenance than homeownership. With a condo, you are responsible for your unit, while the condo board, or another similar entity, takes care of common areas and amenities.

Some of today’s condo buildings offer resort-style amenities. These features make condo living even more attractive! If you are in the process of purchasing a condo, be sure to review your insurance options.

There are several comprehensive condo policies available from a range of providers. If you still haven’t selected a policy, it is understandable if you are beginning to feel overwhelmed by the large number of available policies!

This is a perfect example of a situation where local insurance agents can give you an edge. Meeting with someone familiar with your local area can make all the difference when choosing your condo insurance policy.

Why not get the information you need firsthand while making your selection? Local agents are well-informed, friendly, and happy to help! Our team is here now, ready to lend a hand with all of your insurance needs.

Find out more today!

Emmaus, PA area residents can rely on Patrick McNealis Insurance and Financial Group for all of their insurance needs. We can help you if you want to purchase a condo or upgrade your current policy. Give us a call or stop by today.

Explaining Different Types Of Life Insurance Policies

Patrick McNealis Insurance and Financial Group are proud to serve the Emmaus, PA community. We take a personalized approach to offer coverage. We recognize that each of our clients has unique needs. That’s why we are committed to helping them obtain policies that align with their future and present goals. We will work with you to find the right policy for your situation.

Explaining Different Types Of Life Insurance Policies

Life insurance allows you to plan for emergencies. The policy offers protection if you unexpectedly pass away. You can help lessen the burden on your loved ones as they cope with your passing. They can use the policy to make funeral arrangements or get your affairs in order. You can use the coverage to help your children pursue higher learning at Emmaus PA school or another institution. You can use the policy to ensure that your loved ones continue operating the business you started. Life insurance can help fulfill a variety of needs. As you figure out which policies make sense for your situation, learn about these different types of life insurance.

Whole Life

Whole life coverage ensures that you will receive coverage throughout your entire lifespan. This policy ensures that your loved one will receive some insurance making your funeral arrangements.

Term Life

Term life coverage provides coverage during a particular amount of time. Usually, the duration of a term life policy is between 10 and 20 years. During this period, you will receive full coverage. You can start another policy or pursue different coverage at the end of the period.

Variable Life

Variable Life policies are considered more high risk because while you will receive coverage, the policy’s total value may fluctuate depending on some variables.

Patrick McNealis Insurance and Financial Group Will Help You Cover Your Assets

Contact our office to learn more information about life insurance.

Does auto insurance cover a rental car?

Renting a car is done online these days for the most part and as soon as you start the process, questions about what insurance coverage you want to purchase are being thrown at you. It can be intimidating. You may end up purchasing more insurance than you need just to get through the renting process. At Patrick McNealis Insurance and Financial Group in Emmaus, PA, we are an independent insurance agency that believes in providing our customers with personalized and caring service. 

Not everyone has insurance that will cover a rental car. If you have basic insurance, which is liability coverage, you will only be partially covered and will need additional coverage. You have to protect the vehicle you are renting in the event you damage it. In order to be protected by your personal auto insurance, you must have a full-coverage policy that includes collision and comprehensive coverage. If you have an older vehicle with complete coverage, check with your insurance agent to make sure it will provide enough coverage for a newer, more expensive vehicle. 

The rental car company will try to sell you additional liability coverage. If you are comfortable with the amount of coverage that you live with on your own policy, you don’t need this coverage. If you have home, renters, or condo insurance, your personal property is covered in the vehicle you are renting, so you don’t need that coverage either. 

Always check with your credit card company to see what benefits it provides. Many cover you for a rental car if you use that credit card to book and pay for your rental. If you don’t have the right auto insurance, getting CDW (collision damage waiver) coverage from the rental company takes the place of that coverage. 

Contact Patrick McNealis Insurance and Financial Group in Emmaus, PA, when you need auto insurance.