David M. Frees
Insurance, Inc.

Auto Insurance Review

What to Buy, How Much to Buy, And...
What It Means to You.

What It Pays For

Medical, rehabilitation, and funeral costs if a member of your household is found at fault. Also legal costs and settlements for non monetart losses (pain and suffering).

The Choices

Coverage limits can be as low as your state minimum requirements and as high as $500,000 per person and $1-million per accident.

We Recommend

If you have a home, bank account, or a reasonably well paying job, buy at lease $100,000 per person, $300,000 per accident.

What It Pays For

Repair and replacement of vehicles and any other property you or members of your household damage in an accident.

The Choices

You can buy various limits, from the state minimum of $5,000 to $100,000.

We Recommend

At least $100,000. State minimum requirements - as low as $5,000 often won't cover repairs, or replacements of today's cars.

What It Pays For

FPB can pay medical and funeral costs; also a portion of lost wages and the costs of in-house assistance, regardless of fault, based on a level you choose.

The Choices

A Basic coverage of $5,000 for medical is required. Higher limits are available.

What It Pays For

Repair of auto damaged in a collision or rollover, regardless of fault. Reimburses car's market value - minus the deductible - when car is totaled.

The Choices

Deductibles can range from $250 to $2,500 per accident. Higher deductibles cost less.

We Recommend

At lease $500 deductible. Consider dropping entirely on low-and-mid priced cars eight or more years old.

What It Pays For

Repair of auto damage from windstorms, flood, fire, vandalism, and some other events. Reimburses market value of car or car parts - minus the deductible - after a theft.

The Choices

Deductibles range from $50 to $2,500. Higher deductibles cost less. Some insurers won't offer deductibles higher than a certain amount.

We Recommend

At least $100 deductible. Consider dropping entirely on low-and-mid prices cars eight or more years old.

What It Pays For

Determines when you would have the right to sue for pain and suffering.

The Choices

You must choose Full or Limited. There is an approximate 15% savings by choosing Limited Tort.

We Recommend

Choosing the option which best fits your philosophy on lawsuits and suing, balanced with the premium difference and your exposure in the even you cannot sue.

What It Pays For

Medical, rehabilitation, and funeral costs, and/or losses from pain and suffering resulting from an accident caused by a hit-and-run driver witout insurance or without enough insurance.

The Choices

Limits similar to those of bodily injury liability. Most states say you can't buy more of this coverage than you buy of liability insurance.

We Recommend

In densely populated areas where lots of people drive uninsured, this coverage is essential. Buy at least $100,000 per person and $300,000 per accident where such limits are offered.

If you have any additional
questions, please call us at 610-933-4950
Fax 610-933-3603

Frees Insurance, Inc.
120 Gay Street
P.O. Box 289
Phoenixville, PA 19460