Pennsylvania Car Insurance
Auto Insurance isn't just a good thing to have to protect you financially in the case of an accident - in many states it's required.
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
We can help you understand what these terms mean and how much coverage is right for you.
- Standard and Preferred auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $0 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people (bodily injury) and damage you cause to other people's property (property damage) when you are at fault in an automobile accident. In the state of Pennsylvania, mandatory limits for bodily injury are $15,000 per person, $30,000 total per accident and for property damage is $5,000 per accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. In the sate of Pennsylvania, $5,000 per person is mandatory coverage. If you and your passengers have health Insurance, you may not need additional coverage above the state minimum requirement.
Limited or Full Tort Selection
You can choose to have Limited Tort or Full Tort coverage. Limited Tort is less expensive than Full Tort; approximately 15% to 20% in total premium. With Limited Tort you are still able to recover all out-of-pocket medical and other expenses (e.g. income loss), however, you are not able to recover for certain damages such as payments for pain and suffering; unless you meet one of the exceptions to limited tort to provide for full tort rights as defined in Act 6 of 1990, title 75, section 1705 (d). With Full Tort coverage selection, you retain unrestricted rights to bring suit against a negligent party.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays for bodily injury to you, your family, or your passenger if you are hit by an at-fault motorist who is completely uninsured or doesn't have enough liability insurance (underinsured) to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver. This does not cover damage to property.
Optional or special first party benefit coverages includes extras such as gap coverage, towing & labor/roadside assistance, rental reimbursement, extraordinary medical benefits, income loss, funeral, and accident death & dismemberment. None of these optional coverages are required, but highly recommended and dependent on an assessment of each clients insurance needs.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.