Automobile
Auto Insurance
Get the Right Insurance Coverage for Your Vehicles
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered events. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. Many people supplement their auto insurance coverage with personal umbrella liability insurance for broader protection.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.
Let Alliances Insurance Agency help you find the right amount of coverage to suit your insurance needs.
Call us today at (610) 816-0043.
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What our clients say
Easy Process
“Kevin is a wonderful insurance agent. He pointed out all of the areas my wife and I were over-insured, as well as pointed out all of the areas that we would be vulnerable in the event of a car accident with our current coverage for our two vehicles. It was a simple process to choose what coverage we wanted and needed. In the end we ended up paying $70 less than we currently were paying and have the coverage we needed.”
Typically included in the Policy
Auto Insurance State law requires all PA, NJ & DE motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in a crash.
Generally included in an auto insurance policy is:
 Bodily injury liability
   If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the$30,000 represents the total available for one accident.
 Property damage liability
   If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage.
 Medical payments
  This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage.
Limited or Full Tort — Pennsylvania resides have to choose to carry full tort or limited tort coverage. With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages – such as payments for pain and suffering – unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d).Â
In addition, private passenger automobile insurance policies offer a variety of additional optional coverages that can be purchased. These include:
 Uninsured Coverage (UM)
  This coverage applies to you, your family and your passengers for bodily injury if you are hit by an at-fault uninsured motorist. This does not cover damage to property.
Underinsured Coverage (UIM)
  This coverage applies to you, your family and your passengers for bodily injury if you are hit by an at fault motorist who does not have enough insurance to cover your claim. This does not cover damage to property
Stacking of UM or UIM
  This coverage allows you to either multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy or to receive uninsured or underinsured motorist coverage from more than one policy under which you are insured.
 It costs extra to stack uninsured or underinsured motorist coverage
  Collision insurance
  Damage caused by collision with an object
  Cover damage caused by potholes
  Comprehensive insurance
  Striking an animal
  Natural disasters
  Fire
  Riots and vandalism
  Theft of the entire car, or part(s)
FAQs
The first thing you should consider is how much coverage is required by your state. This can be found through your state’s DMV. That’s how much Car Insurance you have to buy and should be the floor of your Car Insurance budget. Beyond that, you should buy as much Car Insurance coverage as you feel comfortable with and can afford.
Car insurance coverage depends on the type of policy you purchase. Different types of Car Insurance include:
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- Bodily injury and property damage liability coverage for damage caused to other people or property
- Personal injury protection to cover medical expenses and other damages
- Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft)
- Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance
- If an insured driver drives your vehicle, yours will be the primary insurance and theirs will offer secondary coverage.
- The best way to make sure that your Car Insurance covers another person is to have them listed as a named driver on the policy.
- Safety rating: A car with a good safety rating will have a lower rate.
- Vehicle size: Larger cars can typically better withstand accidents so often are less expensive to insure.
- Likelihood of theft: The higher the likelihood of theft, the more the cost of Car Insurance.
- Age of vehicle: Older vehicles are usually less expensive to insure.
Comprehensive and collision coverage extends to rental cars, while liability insurance does not. You should check your policy to see if coverage applies to rental vehicles and, if so, what stipulations or limitations there may be.
- Circumstances of the accident and fault-vs. no-fault coverage: How much the insurer has to pay will factor into whether you’ll face a rate hike.
- Driving history: Many car owners have no accidents or moving violations and take pride in their spotless driving records.
- Other claims: Theft or damage
- Filing a claim