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Auto Insurance

Just like your vehicle, your auto insurance should fit your specific wants and needs. It is important to make sure your homeowners insurance responds when and how you want it to. We can help you determine what coverages best fit you and your family.

Learn about the different coverages that make up an auto policy below.

Policy Coverages

Also known as bodily injury, this coverage applies to injuries that you, the driver or policyholder, cause to someone else in an accident.

It’s very important to have enough liability insurance coverage. If you are involved in a serious accident, it is very possible that you could be sued for a large sum of money. Your liability coverage limits would be available to you to cover those the settled amount as well as any defense costs.

You should definitely consider buying more than the state-required minimum to better protect assets such as your home and savings. We are here to discuss what fits your needs and budget best.

Property damage pays for the damage you have caused to someone else’s property. This could be another car or some other object you have hit. 

This coverage can either be separate from your liability limits or included in a combined single limit (CSL).

Uninsured motorist coverage protects you in in the event you are injured by someone without any liability coverage.
 
Underinsured motorist coverage protects you if they do not have sufficient coverage.
 
We always encourage our clients to carry the same UMUIM coverage amounts as their liability coverage.
 
Full tort allows you to sue for monetary and non-monetary damages as a result of any accident. There are no restrictions as to when you can file suit.
 
Limited tort means that you cannot sue for non-monetary damages (pain and suffering) unless you were seriously injured as determined by a court of law. The few exclusions to this restriction are if you if are involved in an accident with a drunk driver, out of state driver, or commercial driver.  
 
Medical Expense: In the state of Pennsylvania, you go to your auto policy first for any medical expenses in the event of an accident. The state minimum requirement is $5,000. You can purchase up to $100,000 of medical coverage.
 
Extraordinary Medical: In addition to $100,000 of medical expense coverage, you can purchase an additional $1,000,000 of medical coverage.
 
Wage Loss: This coverage pays your lost wages in the event you are unable to work due to injuries sustained in an auto accident. This is paid on a per month / per occurrence basis. 
 
Accidental Death: This provides  in the event of a fatal accident.
 
Funeral Benefit: This helps cover funeral costs in the event of death from an auto accident.
 
 
 

Vehicle Coverages

Collision coverage pays to repair your car in the event you are responsible for the damage. Collision coverage also provides protection in the event of a hit and run.

Your collision deductible is the amount you are responsible for paying before the insurance company pays.
Comprehensive or  “other than collision” coverage pays for damages to your car that are not due to a collision. Examples of this are theft, vandalism, glass breakage, hail, hitting a deer, etc.
 
Your comprehensive deductible is the amount you are responsible for paying before the insurance company pays.
Rental Reimbursement pays for you to rent a car if your car is off the road due to a covered loss. This is paid on a per day/per occurrence basis.  
 
Keep in mind that this is different from rental coverage while on vacation. 
Roadside Assistance will provide towing service as well as roadside services such as a jump start, fuel delivery, flat tire change and lockout assistance.
 
Loan gap coverage pays in the event you owe more on your loan than your vehicle is worth in the event of a total loss. Many leases or loans include this coverage, but it is important to consider if you have a lease or loan.
 

If you participate in ride-sharing apps or any delivery services,

it is very important that we discuss the potential gaps in coverage.

Interested in
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We can help you decide what
coverages best fit your needs.

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