Pittsburgh Automobile Insurance

• Automobile insurance in Pennsylvania has finally turned profitable for insurance

companies after many years.

• Coverages can and do vary widely, allowing individuals and companies to tailor

very specific car insurance programs.

• Choices include whether to include Uninsured/Underinsured Motorists Coverage, Wage

Loss, Comprehensive and Collision Coverage to cover damage to your automobile, and even

whether to choose Full or Limited Tort coverage.

• These decisions are difficult and far-reaching, and should not be made without a professional

agent's assistance.

 

Pittsburgh Liability Insurance

This is probably the most catastrophic type of car insurance risk, and it's required by most state auto insurance laws. Liability car insurance protects you against the cost of damage and injury that you cause to another party in an automobile accident.

It's separated into two different sections, the first being Bodily Injury Liability Coverage, and the second being Property Damage Liability Coverage. As you might guess, Bodily Injury Insurance protects you from the cost of personal injury to others, and Property Damage Insurance protects you from the cost of damage you cause to another parties physical property.

You've probably seen automobile policies described by three numbers (like 50/100/25). These numbers refer to auto liability insurance called split limits coverage. Under this example auto liability insurance policy, you'd be covered for up to:

  • $50,000 for bodily injury caused to another person
  • $100,000 maximum limits for bodily injuries caused by one accident
  • $25,000 for property damage caused from an accident caused by you.

Your state's car insurance laws will require a certain minimum limit for auto liability insurance.

It may be tempting to consider saving a few dollars by going with the minimum liability limits required in your state. However it is always best to consult with a Professional Independent Insurance Agent to determine the appropriate protection that only a truly personalized insurance program can provide.

Pittsburgh Medical payments insurance

This policy provides for the immediate treatment of injuries caused by a car accident. You, your family members and other passengers in your vehicle are covered in most cases. In some states coverage is provided under your own policy regardless of who is at fault for the accident. Check with your Local Independent Insurance Agency to be sure for your own situation.
Depending on the specific laws in each state, medical payments coverage may also allow for additional coverages to be added to your policy to compensate for lost wages for a person injured in the car accident.

PIP, or personal injury protection, is similar to medical payments coverage, but sometimes can provide broader coverage. Many PIP policies provide compensation for lost wages and even funeral expenses.

Most states that require personal injury protection are "no fault" states, but Maryland, Delaware, and Oregon also do for example.

Pittsburgh Underinsured and Uninsured Motorist Insurance

Both of these types of insurance protect you against injury caused in an automobile accident where the at-fault driver's liability car insurance coverage is inadequate or nonexistant. Though they're often lumped together, they're really two distinct coverages.

Uninsured motorist insurance is needed for a case when the other driver has no liability coverage, or such as a hit-and-run accident where the other driver cannot be found.

Underinsured motorist coverage pays for the cost of your personal injuries that exceed the other driver's coverage maximum bodily injury liability limits.

Most states require neither type of coverage, but some require one or the other, and a few even require both. They're more often required in no fault states.

 
DRISCOLL INSURANCE AND FINANCIAL SERVICES, INC.
Jack E. Driscoll, CFP, CFS, LUTCF, ChFC
2738 South Park Road Bethel Park, PA 15102
Phone #: (412)833-1500
Phone #: (1-800)833-1910