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Underinsured Motorist Coverage
Are You Underinsured? by Thomas A. Archer The minimum amount of liability insurance coverage required to satisfy Pennsylvania’s Financial Responsibility law is $15,000 for bodily injury to, or death of, one (1) person in any one (1) accident and $30,000 for bodily injury to, or death of, two (2) or more persons in any one (1) accident, subject to the $15,000 per person limit. While the legislature has introduced a bill to raise these minimum...
Don’t Give Up Your Right to Full Tort Protection
Making Decisions About Car Insurance? by Thomas A. Archer There are few more disappointing conversations that I’ve had to have with clients than letting them know they cannot recover their losses caused by another driver in a motor vehicle collision because the client has selected the “limited tort” option on their policy of insurance. After more than 20 years in practice, I am still surprised to hear that some of these clients had no idea...
Employer Service Provider Security Breach
What should you do in the event of notification by your employer that a service provider to your company has notified its clients that the service provider’s client files were accessed by unauthorized persons? There have been a number of recent media articles on this subject and some recommendations on steps an employee should take to avoid being a victim of identity theft. This article will summarize the type of employee information obtained and outline...
PA Home Improvement Consumer Protection Act
OVERVIEW OF THE PENNSYLVANIA HOME IMPROVEMENT CONSUMER PROTECTION ACT, 73 P.S. §§ 517.1-517.19 Who is a Contractor? Any person who owns and operates a home improvement business or who undertakes, offers to undertake or agrees to perform any home improvement. The term includes a subcontractor or independent contractor who has contracted with a home improvement retailer, regardless of the retailer’s net worth, to provide home improvement services to the retailer’s customers. The term does not...