At least some kind of auto insurance is required in the state of Pennsylvania. Failure to have minimum coverage can result in fines as well as suspension of your driving privileges.
In Pennsylvania the state determines the minimum level of coverage, which focuses on liability. You will need to have personal injury and property damage liability coverage of the minimum amount within your policy in Chadds Ford. You may also decide to increase the coverage beyond the minimum to provide additional protection.
This is the only form of insurance coverage that is required. However, you may also want to explore the optional coverage that can be obtained. This will allow you to have greater peace of mind while on the roads knowing that you have better coverage. If something were to happen, you could call the insurance company and file a claim instead of having to pay for repairs out of pocket.
Additional coverage includes:
– Uninsured motorist
– Underinsured motorist
These can be added to your policy and without spending a lot of money. It can be a small price to pay to know that you have the better coverage in place in case you are involved in an accident. Increasing the liability coverage may also be money well spent so you are not financially responsible for what is left after insurance has taken care of what happens in an accident.
As an example, if you have property damage liability coverage of $25,000 and your accident causes $30,000 worth of damage, the remaining $5,000 would be your responsibility.
When you call and talk to one of our independent agents, we can go over the auto insurance coverage that is required. We can then offer you suggestions of coverage based upon what commonly occurs in Chadds Ford. Call today and we will get quotes for you, too.