Automobile Insurance

What Does Auto Insurance Cover?

Your auto insurance policy’s coverage depends on the types of insurance you’ve purchased for your policy. There are various other types of beneficial coverage you should consider, such as the following:

• Liability insurance helps pay for the losses of the other driver and anyone else injured or harmed if you are at fault. There are two main components of liability insurance.
• Bodily injury liability coverage might pay for third-party medical bills and sometimes death benefits.
• Property damage liability coverage might pay for damage to the other person’s property.
• Collision insurance may cover damage to your vehicle sustained in an accident or collision with an object.
• Comprehensive insurance might pay for non-accident damage, such as weather damage, fires, theft, vandalism or other occurrences.
• Personal injury protection (PIP) coverage may pay for medical expenses for injuries sustained in an accident, regardless of who is at fault. PIP also includes wage replacement coverage and reimbursement for reasonable expenses if you’re injured in an accident.
• Uninsured/underinsured motorist insurance might cover damages if someone who doesn’t have appropriate liability coverage caused an accident that resulted in bodily injuries or property damage to you.

How Much Auto Insurance Do I Need?

Determining how much auto insurance coverage you need can be challenging. You want to ensure that you meet Pennsylvania’s requirements for liability insurance. Pennsylvania is a no-fault state, so you must have personal injury protection (PIP) coverage to help pay for injuries from a covered car accident and provide wage replacement, regardless of who is at fault.

Adequate auto insurance coverage can protect you financially. We can review your insurance needs and help you find a policy that provides enough coverage and satisfies the state’s liability requirements.

How Far Back Do Auto Insurance Companies Look?

Auto insurance companies generally can review driving records for a few years, but the exact number of years can vary by state. This data might include any traffic violations or accidents and any claims. An insurer can determine your risk and policy premium based on this information. Policy Goat can work with you to determine your auto insurance policy based on your driving history.

How Many Auto Insurance Claims Are Too Many?

There isn’t a limit on how many auto insurance claims you can have. That said, an insurance company may drop or cancel your policy if they consider you too risky of a driver, which could be decided by the number of claims you have historically filed. It’s also possible that they will decide to increase your policy premium. We can discuss our approach to risk and how it might affect your auto policy.

Protect Yourself Financially

Policy Goat can help you get a car insurance policy that gives you the protection you need and meets the state’s liability insurance requirements. Call us at 215-757-7979 or visit one of our locations in Levittown, Philadelphia or Southampton, Pennsylvania, to talk to an agent.