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Auto Insurance Information
Auto Insurance in York and Lancaster, PA
Liability Coverage, Collision Coverage, Accident Forgiveness and More
Purchasing a car can be a very expensive investment. Auto insurance is a great way to ensure you’re doing the most to protect the value of your car.
What is auto insurance?
Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses.
What Auto Insurance Is Required by Law?
Pennsylvania drivers must maintain a minimum amount of liability auto insurance to help pay third-party bodily injury and property damage claims. The state also requires medical benefits coverage, which helps pay accident-related medical bills for you and others covered by your auto policy.
What do auto policies cover?
The required coverages are:
Medical Benefits (No-Fault): $5,000
Bodily Injury Liability: $15,000 per person/$30,000 per accident
Property Damage Liability: $5,000
Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.
Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your 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 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.
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance:Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage:Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance:Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage.
Contact your agent about including these protections in your coverage.
Why do you need car insurance?
In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself.
How Auto Insurance Deductibles Work
An auto insurance deductible is the amount of money the insured must pay out of pocket before comprehensive or collision coverage kicks in to help repair or replace a vehicle after a covered accident.
You can choose your deductible amount, which is usually $250, $500 or $1,000. Talk with your agent to learn more about how your auto insurance deductible amount affects your premiums.
Questions to ask your agent
We are here to assist you in ensuring you have the right auto insurance policy through continuous support and assistance. Our agents are knowledgeable, experienced and here to guide you every step of the way.
Here are some things to consider as you select your coverage:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
Contact us today
Don’t sell yourself short. Contact us at 800-304-0739 or request an online quote to figure out the best auto insurance policy for yourself.