Uninsured and under-insured motorist coverage provides coverage for you and members of your family if you are injured in an accident caused by someone else without insurance or with low limits of insurance coverage. You can recover under uninsured and underinsured motorist coverage for any type of damages that you could recover from the insured ...
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Should I purchase a personal liability umbrella policy?
You probably should consider purchasing a personal liability umbrella policy with a limit of $1,000,000 or more. Personal umbrella policies will pay beyond your underlying policy limits for personal liability and auto liability exposures. Umbrella policies include coverage for personal injury which covers exposures such as libel, slander, ...
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Bodily injury damages in auto accidents are driven by medical costs. Medical costs have skyrocketed. Those who are seriously injured seek damages in multiples of medical expenses incurred. $100,000 or $300,000 are not large amounts of money in this context. Consider bodily injury liability limits of $300,000, $500,000, or more and consider a ...
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Should I drop comprehensive or collision coverage on older vehicles?
Depending on the age and value of your vehicle, it may be time to consider dropping comprehensive or collision coverage. If you can absorb the financial loss, you can save the premium costs of these coverages. ...
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What deductibles are available for comprehensive and collision? Should I select higher deductibles?
Damage to your vehicle is covered subject to a deductible. You can select deductibles for comprehensive and collision coverage. Collision coverage responds when you collide with an object or vehicle other than an animal. Comprehensive coverage responds for animal collision and other types of damage including theft, vandalism, and glass breakage. ...
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What is the difference between full tort and limited tort? Which option should I select?
Since 1990 Pennsylvania law allows you to choose tort options. Full tort does not limit your right to sue. Under limited tort you are giving up the right to sue for non-economic damages most commonly known as "pain and suffering" except in the cases of serious injury. The law defines serious injury as death, serious impairment of bodily function or ...
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