Auto Insurance
Auto insurance is a contract between a driver and an insurance company that provides financial protection in case of accidents, theft, or damage to a vehicle. In Pennsylvania, it is legally required for all drivers to carry a minimum level of liability insurance, which helps cover costs for injuries or property damage caused to others. Pennsylvania is a "choice no-fault" state, meaning drivers must carry personal injury protection to cover their own medical expenses regardless of who is at fault, and they can choose between limited or full tort rights when it comes to suing for pain and suffering. Auto insurance is important in PA not only to comply with the law but also to protect drivers from potentially overwhelming financial losses after an accident.
Required Coverage in PA:
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Bodily Injury Liability
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Pays for injuries you cause to others in an accident.
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Minimum required: $15,000 per person / $30,000 per accident.
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Property Damage Liability
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Covers damage you cause to someone else’s property (like their car or a fence).
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Minimum required: $5,000.
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Medical Benefits (Personal Injury Protection - PIP)
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Covers medical bills for you and others covered by your policy, regardless of fault.
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Minimum required: $5,000.
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Optional Coverage in PA (but highly recommended):
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Uninsured Motorist (UM)
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Covers your injuries if you're hit by a driver with no insurance.
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Underinsured Motorist (UIM)
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Covers your injuries if the other driver’s insurance isn’t enough to cover your expenses.
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Collision Coverage
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Pays for damage to your car if you hit another car or object, regardless of fault.
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Comprehensive Coverage
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Covers non-collision-related damage (theft, fire, vandalism, natural disasters).
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Tort Option (Limited vs. Full Tort)
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Limited Tort: Lower premium, but limits your ability to sue for pain and suffering unless injuries are severe.
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Full Tort: Higher premium, but gives you full legal rights to sue the at-fault driver.
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Hours Of Opperation
Monday 9am-6pm
Tuesday 9am-6pm
Wednesday 9am-6pm
Thursday 9am-6pm
Friday 9am-6pm
Saturday Closed
Sunday Closed
Other Vehicle Coverages We Offer
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Motorcycle
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ATV/ Dirt bikes
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Boats
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Motorhome/Travel Trailer
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Snowmobile