Personal Insurance

by Heide Peters, Insurance Agent AUTOMOBILE INSURANCE DEDUCTIBLES First of all, you must understand, if you do not carry collision coverage on your automobile insurance policy, and you are AT FAULT in a car accident, your vehicle will not be covered by your insurance company. If you are NOT AT FAULT, if possible, it is best to report the claim to the at fault person’s insurance company. The reason is, you will be trying to get your deductible back, and if you can go through the at fault person’s insurance company, your deductible will not come into play. The deductible is the amount of moneyRead More →

YOUR AUTO INSURANCE OPTION DO YOU KNOW THE DIFFERENCE? By Heide Peters, Agent Rothenberger Insurance Services, LLC The difference between full tort and limited tort insurance is that a driver with a full tort insurance policy retains the right to sue another (at fault) driver for pain and suffering. A driver with limited tort insurance gives up that right. Although there are a few exceptions to be able to sue with limited tort, in the state of Pennsylvania you must be very seriously injured to sue with limited tort. Serious meaning, permanent disfigurement, dismemberment, serious impairment of body function, or death, which is decided byRead More →

Auto Insurance provides financial protection against physical damage and/or bodily injury resulting from an auto accident. It is a law in Pennsylvania to have auto insurance, and if you don’t have it, you can lose your license and be forced to pay a fine. Be safe, get an Auto Insurance quote and find out how affordable it is to have insurance. Don’t get caught without it! Learn more about Gap Insurance. Do you own a company and are looking for fleet insurance for your companies’ vehicles? We can provide you with the right kind of fleet insurance for your company! Getting car insurance provides financialRead More →

Do you have a classic car? Protect your investment with Classic Car Insurance! If this is your first classic car, finding the right insurance can be confusing. We can help you understand all the ins and outs of your Classic Car Insurance. Get a quote on Classic Car Insurance today!Read More →

Health insurance is insurance against the risk of incurring medical expenses against an individual. According to the Health Insurance Association of America, health insurance is defined as “coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from an accident, medical expenses, disability or accidental death or dismemberment.” Get the best health insurance for you and your family. Don’t wait until it’s too late. Protect yourself now by contacting RIS for a health insurance quote today.Read More →

Homeowners Insurance covers your home in the event of a fire, theft, or damage. Please note: Homeowners Insurance does not include floods and earthquakes; so if you wish to include that in your homeowners insurance policy, please let us know. Protect the place that is most important to you and your family with homeowners insurance. If you’re a first time buyer or looking to change your homeowners insurance, we can assist you with any questions and provide you with a great quote.Read More →

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. If you feel you need liability insurance, give RIS a call and we’ll help you decide what’s the best choice for you.Read More →

Life insurance is a contract between an insured and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person. Did you know about 41% of adults in the United States do not have life insurance? Protect your family even after you pass away by getting life insurance. Get a quote today on life insurance.Read More →

Motorcycle insurance is similar to auto insurance because many of the same coverages are provided to the insured. It is important that you cover your motorcycle and body when you are on your motorcycle. Contact us for a motorcycle insurance quote and get the best insurance that is right for you and your motorcycle.Read More →