Auto Insurance

Auto Insurance In Pennsylvania

If you are a car owner, you should understand the importance of car insurance. The purpose of this insurance is to protect you as a vehicle owner, your car, passengers, and other people on the road. It is illegal to drive without a proper car insurance policy in Pennsylvania. If you are a resident of the Keystone State and are currently shopping for auto insurance, Daniel Carinci Agency LLC, serving Lower Burrell and Pittsburgh, PA, has prepared a list of things you should know:

• The Keystone State is a no-fault state, meaning that every driver is required to file a claim to their own insurance company after an accident, and no party is blamed for the collision. However, compared to other states, customers in the state of Pennsylvania can opt-out of no-fault insurance when they are buying a policy.
• It is not mandatory in the Keystone State to carry collision or comprehensive coverage. However, most lenders require it anyway for financing or leasing a car.
• According to the state law, there are minimum limits for auto insurance: bodily injury liability coverage (pays for both medical treatment and damages); property damage liability (pays for damage to the property of other people); and uninsured motorist coverage (covers you if you are struck by an uninsured driver).

Car insurance is more than just a necessity - it is a state requirement and driving without proper auto insurance is considered illegal in Pennsylvania. It may be not easy to choose the right coverage that addresses your insurance needs and budget. Daniel Carinci Agency LLC serving clients from Lower Burrell and Pittsburgh, PA, is ready to assist you and help you find a perfect policy. If you have any questions about insurance or you are interested in purchasing a policy, feel free to contact us - our qualified and knowledgeable insurance agents are always ready to help.