As in other states, Pennsylvania sets its own laws about which types of insurance drivers should have. There are three that are required by the state and several other types that aren’t required but are good to have. If you have questions about your auto insurance or you need a policy, call us at The Shay Agency in Wilkes-Barre, PA to talk with an agent.
Bodily Injury Liability
One of the required types of auto insurance is a specific amount of bodily injury liability coverage. This pays the medical bills for other parties who are injured in an accident with you. This coverage does not include your own medical bills.
Personal Injury Protection
This required coverage covers you in case of injuries from an accident. It doesn’t cover other people’s medical bills- only your own.
Property Damage Liability
This is also required under Pennsylvania law. This type of coverage covers the property damage that you cause when you are at fault for an accident. It includes both vehicle damage and damage to other property.
Suggested Auto Coverage
If you have those three types of coverage, you’re legal to be on the road. However, these insurance policies don’t cover everything. They don’t offer any protection for your vehicle, and they provide little in the way of liability. Many people expand their auto coverage so that they are better protected in case of accidents.
Collision coverage is a good type of policy to have, though it isn’t required. It pays for damage to your vehicle when there is a collision. This can include both repair and replacement coverage. Comprehensive coverage is another suggested policy. This insurance covers your vehicle when it gets damaged or destroyed by a wide range of incidents and accidents.
Get Your Auto Policy
If you need coverage for your car, or you want to add more coverage to it, give us a call at The Shay Agency in Wilkes-Barre, PA.