Pennsylvania Insurance Forms - Pennsylvania Insurance Commission

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Insurance Forms FAQ

What is insurance?

Insurance is a contract, called an insurance policy, in which the insurer, agrees to pay the insured party all or a portion of any loss suffered by accident or death for a fee called an insurance premium. The losses covered by the policy may include property damage or loss from accident, fire, theft or intentional harm; medical costs and/or lost earnings due to physical injury; long-term or permanent loss of physical capacity; claims by others due to the insured's alleged negligence, or the loss of someone's life.

What laws govern insurers?

In 1944, Congress enacted the McCarran-Ferguson Act, which provided that the laws of the several states should control the insurance business, but that the Sherman Act, the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always controlling. To determine whether a particular law governs, the determining factor is whether the issue is related to the "business of insurance", where state law governs, or whether it is related to peripherals of the industry, such as labor, tax, and securities, where federal law governs.

What can be done is an insurer wrongfully denies a claim?

Insurers may be guilty of bad faith for failing to promptly and thoroughly investigate a claim, unreasonably delaying payment, unreasonably denying benefits to a claim, using unreasonable interpretations in translating policy language, or refusing to settle the case or reimburse you for the entirety of your loss, etc. Unless a time period for settling a claim is defined in the policy, a "reasonable time" generally applies, which is a subjective term, depending on the facts and circumstances in each case.


Pennsylvania (PA) Power of Attorney Documents

A Pennsylvania Power of Attorney document is an important legal paper that allows someone else (known as the "agent" or "attorney-in-fact") to make decisions and take actions on your behalf if you are unable to do so. It can be used for various things like managing your finances, making medical decisions, or handling legal matters. In Pennsylvania, the person creating the Power of Attorney is called the "principal." To create this document, you need to be of sound mind and sign it in the presence of two witnesses and a notary public. It's crucial to choose an agent who you trust completely, as they will have significant authority and responsibilities while acting for you. Remember, you can always revoke or change your Power of Attorney if necessary, but it's a good idea to consult with an attorney to ensure everything is done correctly.


Pennsylvania Real Estate Power of Attorney

In Pennsylvania, a Real Estate Power of Attorney is a legal document that gives someone you trust the authority to make real estate decisions on your behalf. This could include buying or selling property, managing rental units, or handling mortgage transactions. The person you appoint as your power of attorney, known as the agent, must be over 18 years old and should be someone who understands your wishes and will act in your best interest. It is important to carefully consider who you choose as your agent and clearly outline their powers and limitations in the power of attorney document. This document must also be notarized and signed by both you and the agent to be legally valid in Pennsylvania.


Pennsylvania Motor Vehicle Power of Attorney

In Pennsylvania, a Motor Vehicle Power of Attorney is a legal document that gives someone else the authority to handle certain motor vehicle transactions on your behalf. This can be useful if you are unable to be present or if you need assistance with tasks like transferring vehicle ownership or registering a vehicle. The designated person should be someone you trust, as they will have the power to sign documents and make decisions related to your motor vehicle. It's important to carefully read and understand the terms of the Power of Attorney before granting this authority to someone else.


How to Get Power of Attorney in Pennsylvania

To get Power of Attorney in Pennsylvania, you need to follow a few simple steps. First, choose someone you trust to be your agent, who will act on your behalf. Next, you need to complete a Power of Attorney form. This form must be signed by you, the principal, in front of a notary public. Make sure to be clear about the powers you want to grant to your agent. Then, you'll need to provide a copy of the Power of Attorney to any financial institutions or organizations that your agent may need to interact with on your behalf. Finally, it's important to keep the original form in a safe place, and provide a copy to your agent and any other relevant parties, such as your doctor or lawyer.


Pennsylvania POA Requirements

In Pennsylvania, a Power of Attorney (POA) is a legal document that allows a person to appoint someone else, known as an agent, to make decisions on their behalf. To create a valid POA in Pennsylvania, the person creating the document, known as the principal, must be at least 18 years old and of sound mind. The document must be signed by the principal in the presence of two witnesses and a notary public. It is important to choose an agent who can be trusted to act in the best interests of the principal, as they will have the authority to handle financial, legal, or health-related matters, depending on the scope of the POA.