Smart Talk

Smart Talk is a daily, live, interactive program featuring conversations with newsmakers and experts in a variety of fields and exploring a wide range of issues and ideas, including the economy, politics, health care, education, culture, and the environment.  Smart Talk airs live every week day at 9 a.m. on WITF’s 89.5 and 93.3.

Listen to Smart Talk live online from 9-10 a.m. weekdays and at 7 p.m. (Repeat of 9 a.m. program)

Host: Scott LaMar

Smart Talk: Answers about motor vehicle insurance; Escape Fire: The Fight to Rescue American Healthcare

Written by Scott LaMar, Smart Talk Host/Executive Producer | Nov 11, 2013 3:22 PM

What to look for on Smart Talk, Tuesday, November 12, 2013:

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Car Insurance Questions Answered

Pennsylvania motorists have been required to have insurance when driving their cars, trucks or motorcycles since the early 1990s.  More than 20 years later, many of us get our insurance invoice in the mail, see how much we have to pay, and write a check without giving it a second thought.

Maybe we should though.  When was the last time you checked to see what's covered under your policy if your vehicle is involved in an accident?  What legal options do you have if your car is damaged in a crash?  What insurance choices do you have for better coverage or possibly save money?

These are questions we'll answer on Tuesday's Smart Talk with attorney David Pollick of the Dale E. Anstine Law Office and insurance agent Andrew Enders of Enders Insurance Associates.


Andrew Enders & David Pollick

Escape Fire: The Fight to Rescue American Healthcare

Also, while much of the nation has been focused on problems with the federal government's on-line healthcare exchange, many still say the American healthcare system is just plain broken.

The documentary film Escape Fire: The Fight to Rescue American Healthcare is is being screened in Harrisburg, York, and Chambersburg Wednesday night.  We'll talk to the film's director Matthew Heineman the problems the film addresses and the solutions.

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Escape Fire starts with this premise: American healthcare costs are rising so rapidly that they could reach $4.2 trillion annually, roughly 20% of our gross domestic product, within ten years. We spend $300 billion a year on pharmaceutical drugs––almost as much as the rest of the world combined. We pay more, yet our health outcomes are worse. About 65% of Americans are overweight and almost 75% of healthcare costs are spent on preventable diseases that are the major causes of disability and death in our society.

Community-wide Health Watch in Central PA: Watch Escape Fire on November 13. For more information visit witf's Transforming Health.

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  • Radio Smart Talk img 2013-11-12 09:26

    Dave in Harrisburg emails:

    If a person is injured in an accident, doesn’t the other driver’s insurance cover their medical expenses, loss of work, etc.?

    If this is paid for, what need is there to sue? Isn’t liability coverage supposed to make the accident victim financially whole?

    Thanks in advance for the clarification.

  • Radio Smart Talk img 2013-11-12 09:26

    Franklin in York emails:

    Please have the guests speak about stacking the coverage of vehicles – Thank you

    • Andy Enders img 2013-11-12 11:04

      Franklin - I didn't fully get to answer the question on Stacking. As clarification, this coverage is directly associated with Uninsured (UM) and Underinsured (UIM) Motorist Coverage. Stacking your Uninsured and Underinsured Motorist Coverage allows you to increase the amount of this coverage by the number of vehicles listed on your automobile insurance policy.

  • Radio Smart Talk img 2013-11-12 09:27

    Alan emails:

    Why is it necessary to pay extra for full tort for the privilege to sue?

    • Andy Enders img 2013-11-12 11:01

      Alan, the Full Tort vs. Limited Tort arose out of debate on Tort Reform in Pennsylvania's General Assembly. Basically, the end result is that the onus has been put on the Pennsylvania Insurance consumer to "choose" to retain their full right to recover against another party for non-economic damages in the event of an Automobile Accident. In theory, this was one way to limit "frivolous" lawsuits. I'd be happy to discuss further if you'd like to reach out via

  • Joseph1975 img 2013-11-12 09:30

    Many of us believe that this show is about - putting fear into our minds - to bring in new money to Insurance companies!

    Ask this question to your guests - If you want to talk to me say so - I'm listening NOW!

    Two years ago - I cancelled my insurance from two different major company's within 24 hours due to - what I believe were improprieties!
    Want to hear about this?! I bet your Insurance guest doesn't!

    My name is Joseph Dauphin, Pa

  • Joseph1975 img 2013-11-12 09:31

    Mention that a person can get a lower rate if you obtain both auto and home insurance from the same company

    • Andy Enders img 2013-11-12 11:08

      Packaging, Bundling, Account Credits, et. al. means exactly that: placing your Homeowners and Automobile coverage with the same carrier. For most insurance consumers, it does make a lot of sense. What we have to be cautious about right now is the challenge of underwriting Homeowners policies. If you are able to put Homeowners and Automobile policies together, you will definitely benefit from the most competitive pricing.

  • Joseph1975 img 2013-11-12 09:34

    Your guest states that $150 more per year is not a lot of money?!

    Why are not YOU saying that many of us conduct business with at least 8 different companies or businesses - with each wanting $20.00 to $50.00 more per month!

    Who has that kind of money?

    • Andy Enders img 2013-11-12 11:13

      I mentioned the $150 to $300 in regard to adding a Personal Umbrella (or its related policy: Personal Excess Liability). This coverage is additional liability policy over your underlying Homeowners, Automobile, or other listed policy. Making the investment in this coverage makes sense for many insurance consumers, but certainly not everyone. On the low end, $150 for $1 million of liability coverage is a very cost effective way to protect your family in the event of liability claims.

  • Joseph1975 img 2013-11-12 09:37

    Your guests are trying to raise fear to get more money! That comment about breaking the law for dropping insurance on a vehicle garaged with no intention of using it!
    Many Folks have cars they do not drive during the Winter - only carry insurance for 6 months.

  • Joseph1975 img 2013-11-12 09:40

    Financial support at RISK!!!

    While you are speaking we here are discussing what the real intent of your Guests - WITF you need to address some of our concerns on our behalf as We contributed money to keep your station alive.

    Though I could not afford it - I am retired on an annuity - gave $200 - I will remember this show when you have your next fund drive!!!

  • Joseph1975 img 2013-11-12 09:43

    I have a Buick in great condition - blue book value at $1800 - this vehicle in present condition has been declared to be worth up to $18000 - the insurance company will only give me blue book value and or total it.
    Your Guests are - sorry to say this CROOKS!

  • Joseph1975 img 2013-11-12 09:46

    Home Insurance - policy read not covered if damage is due to 'any act of nature'. Asked for the definition of this - over and over - finally the agent said in a low voice If the damage is $2000 or less you will not have a problem having a claim paid - If over they will use the act of nature clause to NOT PAY YOU!

    Insurance companies are not honest!

    I recorded the conversation.

    Scott you let us down!

  • Radio Smart Talk img 2013-11-12 09:48

    Ron in Lancaster emails:

    As a regular bicyclist what should I do regarding insurance?

    • Andy Enders img 2013-11-12 11:18

      Ron - as a starting point of discussion for ALL motorists and Cyclists, I highly recommend this op-ed from Sunday's New York Times:

      If you are listed a "driver" on your Automobile Insurance policy, then your 1st Party Benefits (including Medical Expense Coverage) will apply while you are riding a bicycle. In Pennsylvania, you are required to maintain a minimum of $5,000 Medical Expense Coverage. If you are struck and injured while riding, your Medical Expense coverage would be the first line of defense. Depending on your situation, you may wish to maintain a higher limit of Medical Expense coverage.

  • Radio Smart Talk img 2013-11-12 09:49

    Jamieson emails:

    Can you explain why we should need to pay a private company to have access to civil redress? This seems to create an unfair gap in civil liberties based on finances.

    • Andy Enders img 2013-11-12 11:19

      It's definitely worth a discussion with your State Representative and State Senator.

  • Joseph1975 img 2013-11-12 09:49

    I just received several messages from me - this is the last.

    Many times MY VOICE is heard on the radio - it will conflict with the information heard here today. More and more I am 'seen' as someone attending to the peoples best interest!

    Can you make this claim?!

  • Andy Enders img 2013-11-12 11:06

    Joseph - If you'd like to share your experience, I'd be happy to discuss with you. You can find out more about me and our agency via

    While I might not be able to provide answers to your specific issue, we can definitely have a dialogue about how the insurance carriers work and the theories behind insurance coverage/risk management.

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