Car Insurance can be a complicated subject at times, let us help you.
Before you start the process of shopping for the best car insurance policy, you need to know what the insurance requirements in Indiana Pa are. There are certain coverage’s that are required in Pennsylvania and some that are optional.
According to Pennsylvania Insurance Department the required coverage’s are:
Medical Benefits – The minimum limit is $5,000 of coverage but you can choose a higher limit if you choose. This covers medical bills for you and others who are covered by your policy regardless of who is at fault.
Bodily Injury Liability – The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person; the $30,000 represents the total available for one accident. This covers medical and rehabilitation expenses if you injure someone and any damages if you are found at fault of the accident.
Property Damage Liability – The minimum limit is $5,000 of coverage task software. This coverage pays for damage to someone else’s property if you are at fault of the accident.
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 – It is your choice to have full or limited tort coverage. Having limited tort coverage can save on your premiums. You are still able to recover all out of pocket medical and other expenses; but you are not able to recover certain damages, such as pain and suffering payments – 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 care insurance coverage selection, you retain unrestricted rights to bring suit against the negligent party.
The coverage’s that are optional are as follows:
Uninsured Motorist (UM) – If you are hit by an at-fault uninsured motorist, this covers any bodily injury to you, your family and your passengers.
Underinsured Motorist (UIM) – if an at-fault motorist who does not have enough car insurance to cover your claim hits you, this will cover bodily injury to you, your family and your passengers. This does not cover damage to property.
Stacking of UM or UIM – This coverage allows you to either multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy or to receive uninsured or underinsured motorist coverage from more than one policy under which you are insured. It costs extra to stack uninsured or underinsured motorist coverage.
Funeral Benefit – This pays up to a certain amount for funeral expenses if you or a family member dies as a result of a car accident.
Income Loss – This pays a portion of your lost wages when not working due to injuries sustained in an auto accident.
Collision – This pays to have the damage to your car repaired as a result of an accident. To receive a car loan, many lenders or banks require you to purchase this coverage. Under Pennsylvania law, the insurance company applies a $50 deductible unless you request a lower amount. Normally the higher your deductible is, the lower your premium will be.
Extraordinary Medical Benefits – This is a benefit paid to the personal representative of an insured if the bodily injury from a motor vehicle accident results in death within 24 months of the date of the accident.
Rental Reimbursement coverage – Depending on the limit on the car insurance policy, this pays for an individual’s expense of renting a vehicle if they have a covered comprehensive or collision loss.
Towing Coverage – This reimburses an individual, up to the limit on their policy, for towing and labor costs for a covered disabled vehicle. This coverage is usually only available if comprehensive and collision is carried on the vehicle.
Gap Coverage – This coverage pays the difference between an insurance company’s payment for a totaled vehicle and the vehicle’s loan balance. Traditionally this is only available when an individual is purchasing a new vehicle.
When you get a free car insurance quote from Walbeck Insurance, you can quickly compare Pennsylvania car insurance rates to find a policy that fits your needs. We are conveniently located in Homer City, near Indiana, Pa and Blairsville, Pa; give us a call today!