Recognizing the Red Flags of Classic Car Insurance Scams

Posted on October 31, 2025October 23, 2025 by admin

Scams have quickly gone from obvious to sophisticated. Scammers are using authentic photos and videos to trick you into buying a coveted vehicle. They may email you or contact you through social media. They lure you to a phishing website or payment page. When you fulfill your end, you never hear from them again. Tracking the scammer down is a dead end. Meanwhile, your funds end up in an offshore account. The team at Bartal Insurance, serving Scranton, PA, wants to help keep you safe from scams like this.

What Are Some Classic Car Insurance Scams?

Falsifying auto theft is spreading across classic car insurance agencies now. Those scams hurt legitimate policyholder claims and affect premiums. Exaggerated damage, auto repair, and ghost broker scams are also prevalent. Additionally, email and social media scams are preying on fear, sadness, anger, or other emotions to convince Scranton, PA residents to take action without thinking things through.

Other classic car scams involve buying a car sight unseen and purchasing vehicles through phishing websites. Those sites mimic trusted websites, but they have fishy information or noticeable grammatical errors. Unintentional insurance fraud occurs when your insurance agent tells you to ignore a discrepancy in your application or policy. Always review your policy for errors and correct them. Staged car accidents involve drivers causing accidents on purpose for insurance money, and roping in innocent drivers.

Scammers never take a break from defrauding everyday people, but Bartal Insurance won’t rest, either. We constantly monitor your insurance and block scammers from using your information for profit. We encourage you to be aware and stay safe online to keep these criminals from accessing your information. Contact us for more information about classic car insurance scams and fraud. We’re currently serving Scranton, PA.

Does Renters Insurance Protect Me or My Landlord?

Posted on September 30, 2025September 23, 2025 by admin

It’s becoming increasingly common for landlords to require tenants to carry renters insurance. While it’s a valuable policy, it’s often misunderstood. A frequent question from tenants in Pennsylvania is whether renters insurance, provided through Bartal Insurance serving Scranton, PA, benefits them or their landlord. The truth is that renters insurance is primarily designed for the tenant’s protection. While a landlord’s policy focuses on the building itself, renters insurance covers your personal belongings and liability.

What Renters Insurance Covers

Renters insurance is designed to protect the items you bring into your rental space. Furniture, electronics, clothing, and household items are covered against risks such as fire, theft, or certain types of water damage. Another critical component is liability coverage, which provides protection if a visitor is injured in your apartment and you are held responsible for their medical expenses. These protections are tailored to your needs, not the landlord’s investment.

How the Landlord’s Coverage Works

Landlords typically carry their own insurance policies, which only cover the structure of the building. For example, if a storm damages the roof or a pipe bursts inside a wall, the landlord’s insurance will handle those repairs. However, it won’t cover your personal belongings, such as your laptop, television, or other items inside your unit. This is where your renters insurance comes into play.

Why This Difference Matters

Consider a scenario where a fire breaks out in the kitchen. The landlord’s insurance will cover repairs to the walls, ceilings, and floors, but any smoke-damaged furniture or clothing will be your responsibility. Without renters insurance, replacing these items could be financially overwhelming. Renters insurance ensures you’re not left to bear the cost of such losses alone.

Renters insurance doesn’t protect your landlord; it protects you. By carrying a policy, you safeguard your belongings and protect yourself from liability. When the unexpected happens, renters insurance ensures you won’t face the financial burden alone. Speak with your insurance representative at Bartal Insurance serving Scranton, PA, to learn more about this essential coverage.

How Do Your RV Insurance Needs Change if You RV Full Time

Posted on August 29, 2025August 26, 2025 by admin

Living life on the open road in your RV full-time is a dream for many, but it also comes with unique responsibilities, particularly regarding insurance. At Bartal Insurance, serving Scranton, PA, we’ve helped countless RVers transition from weekend warriors to full-time adventurers. And trust us, there’s more to consider than just a bigger gas budget.

Your RV Becomes Your Home

When your RV becomes your primary residence, your insurance needs change. A standard recreational RV policy is designed for occasional use, not full-time living. Once you’re living in your rig year-round, you need a policy that treats it more like a home and less like a vacation vehicle. This includes coverage for personal belongings, liability in case someone gets injured at your campsite, and loss of use if your RV becomes uninhabitable.

You May Need Extra Liability Protection

Full-time RVing means you’re more likely to interact with people at campgrounds, RV parks, and on the road. This increased exposure brings more risk, which may require additional liability coverage. A comprehensive full-timer policy can protect you in situations that a part-time policy wouldn’t cover.

Coverage That Moves With You

When you’re constantly on the go, your insurance needs to travel with you. Make sure your policy isn’t limited by state lines or mileage. The right full-time RV insurance will provide consistent protection no matter where you park.

Talk to the Experts

If you’re ready to embrace full-time RV life, don’t take chances with your coverage. Bartal Insurance, serving Scranton, PA, is here to help you find a policy that keeps you protected every mile of the way. Contact us today and travel with confidence.

Buy Bond Insurance Before Your Startup Launches

Posted on December 24, 2024December 23, 2024 by admin

Pennsylvania startups may be aware that their new business requires insurance, but if they plan to go public, they’ll need bond insurance before offering investments. Bond insurance protects investors in a corporation or government entity that issues bonds, a common fundraising mechanism. At Bartal Insurance, we offer bond insurance to business owners in Scranton, PA, and can help incorporate it into your commercial insurance package.

Understanding the Need for Bond Insurance

Traditionally, corporations and governments have issued bonds to raise funds for projects. Governments often resort to bonds when they need to finance a war effort or major capital improvement project, especially when raising taxes is not viable. Corporations use bonds to fund business expansion or research and development projects.

Recently, startups have turned to crowdfunding platforms like GoFundMe for quick capital. While these methods can fund small projects, a startup looking to expand might incorporate and offer a bond to avoid going public. However, offering bonds requires as much paperwork and compliance as an initial public offering (IPO), including the need for bond insurance, which Bartal Insurance can help you secure.

Issuing a Bond in Pennsylvania

The Pennsylvania legal code outlines the requirements for any business or government agency wishing to offer a bond. Title 67, Section 449.3., covers the state’s advertising, bidding, and bond requirements rules. It also explains the three main types of bond insurance: