The Facts About Auto Insurance

Auto insurance is an interesting expense because it's required by law if you choose to operate a vehicle on the roads. This is why it's important always to ensure you're getting the best possible deal on coverage. Here at P.A. Insurance Brokers LLC, we want to help the citizens of Pennsylvania always make the best insurance choices. Keep reading to learn more about auto insurance.

Does the Law Require Auto Insurance?

Yes, to operate a vehicle on the roads, you will need to carry at least minimum coverage insurance. If you fail to keep this type of insurance coverage in place, you will face legal consequences.

What Types of Coverage Are Available?

When it comes to auto insurance, there are two main types of coverage available. Minimum coverage is the minimum amount of insurance you need to appease your state's laws. Minimum coverage is also sometimes called liability coverage. This type of coverage will pay for damage you might cause to another vehicle if you are at fault in an accident. This type of coverage provides no assistance to you for damage you may cause to your vehicle if you cause an accident or if something else happens to your vehicle that causes damage. For instance, liability-only coverage will not pay for repairs if a tree falls on your vehicle while parked in your yard.

Full coverage is the other type of insurance. This type of insurance will pay for damage to another vehicle if you cause a wreck, but it will also pay for any damage your vehicle may sustain for any allowable claim. For instance, if your vehicle is in a hail storm, full coverage will pay to repair hail damage.

If you would like to learn more about auto insurance, don't hesitate to contact us at P.A. Insurance Brokers LLC, serving Pennsylvania. We will happily answer your questions and help you find the right insurance product for your needs.