Shopping for a new car can be exciting, especially if you are doing it for the first time. However, with a vehiscle comes the legal requirement of auto insurance. The Carr Agency will help you understand the basic types of coverages available for auto insurance. It is essential that you learn each coverage and what it covers before making a final decision. Here are the most common auto insurance coverages in Pennsylvania.
Liability coverage comes into components, property damage, and bodily injury liability. Both help pay for costs related to injuries or damage made to the property in your car.
Sometimes, you may have passengers in your car like family or friends. In case of an accident, this coverage pays for medical bills and costs associated with injuries.
Personal injury protection also helps reimburse you for medical bills and expenses after an accident. This could be income lost when you couldn't work due to accidents.
Collision coverage compensates you for the loss or damage in the event of an accident. However, the accident must be collision-related. For instance, if you hit another vehicle, fence, rock, fallen tree, or object, your insurance provider should pay to replace or repair your car.
Unfortunately, some drivers do drive without car insurance. Such drivers are known as uninsured motorists. While this is illegal, it is worse if he or she causes an accident. The good news is that you can still get compensated in case you are involved in an accident and you were not at fault. Underinsured motorists are drivers who have insurance but limited. This means that if you are involved in an accident where the other driver is at fault, your insurance provider will come in to pay for the damages or loss.
Looking to buy auto insurance? Let the Warren Carr Insurance Group take you through the coverage options available, and we will help you choose a policy customized just for you. Visit or call us for more information, quote, or queries.