Does Pennsylvania Have A Used Car Lemon Law?

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Do you know about - Does Pennsylvania Have A Used Car Lemon Law?

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Pennsylvania does not currently have a specific "used car" lemon law at this time. Fortunately, however, you may be able to bring a lemon law -type claim if you have purchased a "used" vehicle that still had some of the original manufacturer's warranty on it at the time of it's purchase. If your used vehicle suffered a defect while under the original manufacturer's warranty, there is a federal law called the Magnuson-Moss Warranty Act that covers used cars that have a written warranty on them. The Magnuson-Moss Warranty Act protects consumers who purchase any product that costs over and comes with a written warranty, so a used car would be covered by this law.

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The Magnuson-Moss Warranty Act is similar to the Pennsylvania Lemon Law in many regards, and in some aspects, its better. Like the Pennsylvania Lemon Law, the Act provides for a refund or free replacement of the defective product, and further provides for recovery of all associated costs including Attorney fees for bringing such a claim. If the purchaser can show that the used vehicle suffered a substantial defect or non-conformity during the warranty period, and the manufacturer was unable to remedy that defect, the Magnuson-Moss Warranty Act will provide relief to the purchaser. The Magnuson-Moss Act is an act that was designed to ensure that manufacturers (of any product) who offer a written warranty on that product abide by and honor the terms of any warranty that they give. A purchaser of a used motor vehicle is a prime candidate to use this law in the event that he purchases a used "lemon", because the original manufacturer's warranty transfers to all subsequent owners of the vehicle until it expires based upon mileage or a given length of time.

In practice, Lemon Law Attorneys have used this Act very successfully in Pennsylvania to protect purchasers of defective "used" motor vehicles. If your used vehicle has suffered a defect while still under the original manufacturer's warranty, you may be entitled to a full refund or free replacement.

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Limited Liability Company Advantages and Disadvantages

Florida Vehicle History Report - Limited Liability Company Advantages and Disadvantages

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Do you know about - Limited Liability Company Advantages and Disadvantages

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Choosing the correct business structure is vital to your business. The following are advantages and disadvantages of forming a Limited Liability Company (LLC). LLC's are a new form of business entity. The first LLC act in the United States was in the State of Wyoming in 1977. In 1980 the IRS issued a private ruling indicating it would treat the LLC for tax purposes as a partnership.

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LLCs provide limited protection to members by reducing personal liability. The members are not personally responsible for debits and liabilities of the company. Creditors cannot pursue members' personal assets (i.e., home or vehicle) to pay business debts.

LLC's can be taxed in several ways - as a pass-through entity, partnership, or corporation.

An LLC is a "pass-through" entity - meaning the LLC has no tax; it is passed through to the members.

Forming of an LLC is flexible. An LLC may be formed as an entity to appear as a partnership or as a corporation depending on the preferences and requirements of the person creating the business.

Easy management style, the compliance requirements for an LLC are less formal compared to a corporation.

Because the LLC is a separate entity, a new and separate credit profile that is distinct from a personal credit profile.

Having the "LLC" as part of your company names improves the creditability of your company with vendors, partners, and potential customers.

Ease of transferring ownership.

An LLC is not restricted to a maximum number of stockholders.

LLCs attract investors easier than a sole proprietorship.

Limited Liability Company - disadvantages

Along with advantages associated with the creation of a Limited Liability Company (LLC), there are disadvantages. Disadvantages associated with an LLC are as follows:

LLCs are still a new option in many states. Wyoming and Florida were the only states that had LLC structures in place prior to 1990. Because this is a relatively new option, the establishment of LLC is still evolving and there is very little case history in courts.

In some states LLC have a limited lifespan - not to exceed 30 years.

Interstate business is more complicated. Laws governing LLCs may vary widely from state to state. An LLC must be formed to each state where a company does business. Each state requires forms completed specifically for their state. Each state requires filing fees for forming an LLC. These fees vary from state to state. Filing fees range in price from to 0.

Many states impose ongoing fees for LLCs such as an annual report and/or franchise tax fees. Alabama, California, Kentucky, New York, Pennsylvania, Texas, and Tennessee levy a franchise tax on LLCs.

Transferability of ownership is harder to transfer than a corporation.

An LLC while being cheaper and easier to setup than a corporation, but they are more complicated and expensive than setting up of a partnership.

The money invested in an LLC is limited. The money that is invested in an LLC must come from the members and the members cannot raise capital for the company from sources outside the company.

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Pennsylvania Auto Insurance Coverage - "First Party Benefits"

Florida Dmv - Pennsylvania Auto Insurance Coverage - "First Party Benefits"

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Do you know - Pennsylvania Auto Insurance Coverage - "First Party Benefits"

Pennsylvania auto insurance requirements are very unique when it comes to the first party benefits portion of the policy. Unlike many other states, Pennsylvania's first party benefits are the only "no fault" portion of the coverage that is required by the state's laws. These coverages apply to you and you household family members, thus the "first party" designation. I will try to explain these coverages in a way that I hope will help guide you toward making a better informed decision on what limits will best cover your family.

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Medical expense coverage is required in the amount of 00 for each automobile you insure on your policy. This coverage is considered primary in Pennsylvania and will pay before any other insurance when you are injured in an automobile accident. You and any of your family members will be covered for up to 00 in medical expenses each. Pennsylvania auto insurance law requires each company to offer up to 0,000 in medical expense coverage. For clients who do not currently carry major medical insurance I would advise carrying a higher limit of medical expense coverage.

Income loss coverage is not mandatory in Pennsylvania but it is a very affordable coverage. Consider adding this coverage to protect your potential lost wages in the event that you are injured in an automobile accident. I'd like to remind you that this is also a "no fault" coverage which means that irregardless of who is at fault your lost wages will be paid by your insurance policy. Limits up to 0,000 and as low as ,000 can be added to your policy for very minimal cost.

Funeral benefit and accidental death benefit coverage are both available as add-ons. Neither of these coverages are mandatory but are relatively inexpensive to add. If you think a dollar or two is worth covering yourself and family for these unforeseen expenses, you'll want to add this coverage.

Extraordinary Medical Expenses is a coverage that was assigned to the insurance companies when the state of Pennsylvania decided its CAT fund could no longer afford to exist. This coverage covers the medical expenses beginning at 100,000 and up to 1,000,000. If you are adding this coverage to your policy you need to be sure that you are carrying 0,000 on the medical expense portion or you will have a huge gap in coverage.

Review these coverages with your agent and be sure to get price comparisons between the coverages that you have now and the coverage you really should have. You'll be surprised at how affordable the right coverage can be.

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Pennsylvania Auto Insurance Coverage - "First Party Benefits"