If you own an automobile in the state of Pennsylvania, you are required to have at least the state minimum amount of auto insurance. With so many options available, choosing the right auto policy can be difficult. It’s extremely important to find an insurance agency that is capable of meeting your needs and maintaining the level of service that you deserve.
No matter the make and model of your vehicle, it is crucial for you to maintain a level of coverage that provides great protection from the uncertainties of the road. We work with multiple carriers in order to offer you the caliber of insurance protection you need. The basic coverages involved with auto insurance are bodily injury and property damage liability, comprehensive, collision, uninsured/underinsured motorists, medical payments and tort option.
Bodily Injury Liability — Covers bodily injury done to others due to an auto accident and pays their medical and rehabilitation expenses if you are found liable. This coverage is required by law in Pennsylvania.
Property Damage Liability — Covers damage to other’s property caused by you in an accident.
Comprehensive — Covers theft or damage to your auto from hazards including fire, flood, vandalism or striking an animal. Also covers glass repair and replacement.
Collision — Covers damage to your auto as a result of an accident.
Medical Benefits — Covers medical bills for you and others who are covered by your policy, regardless of fault.
Uninsured Motorist (UM) — Covers you, your family and your passengers for bodily injury if you are hit by an at-fault uninsured motorist.
Underinsured Motorist (UIM) — Covers you, your family and your passengers for bodily injury if you are hit by an at fault motorist who does not have enough insurance to cover your claim.
Limited or Full Tort — Limited tort offers you a savings on your premiums. You are able to recover out-of-pocket medical and other expenses; however, you are not able to recover certain damages – such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort 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 the negligent party.
Call our offices in Washington, 724-222-3690, or in Uniontown, 724-437-7147, to get a customized auto insurance policy today!
