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AUTO INSURANCE

  • Let's first talk about required coverage by Pennsylvania Law for auto insurance. Pennsylvania Law requires all auto policies to include both bodily injury as well as property damage, in addition to medical benefits, and not excluding tort (Full or Limited). When insurance refers to 15/30/5 this means  your auto policy will cover $15,000 per a person per an accident and no more than a total of $30,000 per accident for bodily injury no matter how many people were injured and $5,000 in property damage. Bodily Injury covers the medical portion of the individual injured and property damage covers their property (i.e.. the car, telephone pole, & mailbox). Medical benefits (no lower than $5,000) cover you and anybody listed on your policy who was injured and needs medical attention that was incurred in the accident. As previously mentioned, you have the option of full or limited tort. Full tort protects your right to sue against the negligent party where on the other hand limited tort reduces your right to sue unless your injuries are one of the exceptions of the law. Now lets discuss your most common optional coverages...

            

  • Comprehensive–covers your car in cases of theft, vandalism, flood, fire and hitting an animal. This also covers windshield damage.

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  • Collision–covers your car in cases where you collide with anything like another car, guard rail, telephone pole, etc.

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  • Deductible–the amount you pay out of pocket before your insurance picks up the remaining charges. This applies to comprehensive and collision only.

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  • Towing–covers the cost to move your car from one location to another in the event that the car is not driveable.

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  • Rental Coverage–covers the cost of a rental car while your car is in the repair shop from a covered accident by your insurance.

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  • Income Loss–covers the loss of income you would make while out of work due to a covered accident.

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  • Accidental Death–pays for the death of someone in the accident that is listed on the policy.

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  • Uninsured Motorist–(also referred to as um) covers you in a not-at-fault accident where the other driver has no insurance. Be advised this does not cover property damage.

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  • Underinsured Motorist–(also referred to as uim) covers you in a not-at-fault accident where the other driver does not have enough insurance to cover the claim. Be advised that this does not cover property damage.

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  • Gap Coverage–covers the cost difference of what your auto insurance will pay in the event your car is totaled and what you still owe to the bank.

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  • Extraordinary Medical Benefits–covers medical expenses that exceed $100,000 with up to a limit of $1.1 million.

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  • Funeral Benefits–covers the cost of funeral expenses.

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  • Please be advised that all information is based on the state of PA and varies by every state, so please check your State's guidelines. All information is general and to get specific details, please call our office so we can discuss this with you.

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