Auto Insurance

Auto insurance policies are unique for each person. Some factors that determine your policy premium include where you reside, what coverage and limits you choose, as well as your individual circumstances, the number of drivers in the household, the number and type of vehicles on the policy, personal credit, etc. Many of the companies you see or hear on TV and radio focus your attention on saving money. Unfortunately this may result in inadequate coverage and low limits. The fine companies we represent also offer competitive premiums. We will quote a variety of companies to find you the Best coverage at the Best price.

Pennsylvania Auto Insurance

Medical Benefits

This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 coverage. Higher limits are available. With many changes in health insurance such as co-payments, deductibles and prescription formularies it is important to know what you have and purchase what you need.

Limited Tort

Offers savings on premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages such as payment for pain and suffering unless injuries are defined as SERIOUS.

Full Tort

With this selection, you retain unrestricted rights to bring suit against the negligent party.

Uninsured Motorists (UM) Underinsured Motorist (UIM)

This covers bodily injury losses for you or your passengers if you are hit by an at-fault motorist who does not have enough insurance to cover your claim. Though it is the law that all Pennsylvanians must have auto insurance, it is a fact that many of the vehicles on our roads are not insured. Many of those who are insured are only carrying minimum limits of liability. If you have the misfortune of being hit by one of these “un-“ or “under-“ insured people, you may not find adequate recovery for your bodily injury claim against them. Therefore, under certain circumstances, you may seek recovery against your own insurance company.

Stacking of UM or UIM

This coverage allows you to multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy. It costs extra to stack uninsured or underinsured motorist coverage.

Funeral Benefit

Pays up to $2,500 if you or a family member dies as a result of an auto accident.

Income Loss

Pays your wages when injuries sustained in an auto accident keep you from working.

Collision

This benefit pays to repair damage to your car as a result of an accident. Under Pennsylvania law, the company applies a $500 deductible unless you request a lower amount. The higher the deductible, the lower your premium.

Comprehensive

This pays for damage to your vehicle for fire, vandalism, falling objects, hitting an animal, broken glass and theft.

Extraordinary Medical Benefits

This coverage pays when medical and rehabilitation expenses exceed $100,000. It provides a maximum of $1 million of coverage.

Income Loss

Pays your wages when injuries sustained in an auto accident keep you from working.

Collision

This benefit pays to repair damage to your car as a result of an accident. Most banks or lenders require you to buy this coverage to receive a car loan. Under Pennsylvania law, the company applies a $500 deductible unless you request a lower amount. The higher the deductible, the lower your premium.

Comprehensive

Generally, this pays for theft or damage to your car from hazards including fire, flood, vandalism, or striking an animal. Most banks or lenders require you to buy this coverage to receive a car loan. There are various levels of deductible to purchase.

Extraordinary Medical Benefits

This coverage pays when medical and rehabilitation expenses exceed $100,000. It provides a maximum of $1 million of coverage.

Coverage is also available for Rental Reimbursement and Towing & Labor