Auto Insurance in Fullerton, PA
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Take Me Home, Fullerton Roads
Located in the Lehigh Valley, Fullerton is a census-designated place in Pennsylvania, (PA). It is considered a suburb of Allentown and over 14,000 people call it home. Formerly called Ferndale, this area has a history and legacy related to railroad transportation and industry. Fullerton was named for a local businessman, James W. Fuller Jr. who bought the railroad car wheel factory and operated it for years. By 1883, Fullerton was a thriving area where people came to work not only in the wheel factories but several surrounding mills and quarries. When you need to get the job done, Fullerton’s the place to be.
With over 4,000 persons per square mile, you don’t have to throw a stone very far to hit your nearest neighbor. Fullerton, PA is just north of Allentown and west of the Lehigh River. The Lehigh Valley Thruway runs through central Fullerton with two in-town interchanges with Pennsylvania Route 145 and Fullerton Avenue/Third Street. Whether residents are making their way to the Lehigh Valley Mall or commuting to the state capital, there are plenty of vehicles on these Pennsylvania roads. Having auto insurance in Fullerton is necessary to cover you and other vehicle operators that live with you.
On the Road Again
It’s important to understand the need for auto insurance in Fullerton, PA and other parts of the Keystone State. Residents of Fullerton are required to carry auto coverage or risk paying fines and losing driving privileges, including suspension of driver’s licenses, license plates and vehicle registrations. Most drivers don’t have the money to pay out of pocket for damages and injuries from an auto accident. Additionally, if your vehicle was stolen or vandalized, an auto insurance policy can help cover the expenses of recovery or repair. This is why having auto insurance in Fullerton isn’t just the letter of the law, it’s strongly recommended for anyone who drives a car.
A typical policy will have the following protections:
- Collision: As the name suggests, this pays for the repair or replacement of a car destroyed in a collision.
- Comprehensive: If your car is stolen or experiences other types of non-collision-related damage, this benefit covers the expenses.
- Bodily injury: This benefit pays for the medical bills of any persons involved in an accident, including drivers, passengers and other persons. Residents of Fullerton are required to carry $15,000 worth of coverage per person and $30,000 worth of coverage per accident.
- First party benefits: The state requires that your auto insurance in Fullerton carry a minimum of $5,000 protection for certain medical bills.
- Property damage: Some accidents may involve property damage besides another vehicle. This policy feature covers such damage. You must have at least $5,000 in coverage for property damage.
- Underinsured or uninsured motorist: Driving around the Lehigh Valley may lead you to cross paths with a driver who has no insurance or too little insurance to cover the damages. This benefit covers you. This coverage is discretionary in Pennsylvania, but if you have it, you’ll need at least $15,000 and $30,000 per person and accident respectively.
When shopping for auto insurance in Fullerton PA, you have the option of choosing a limited tort policy. This type of plan puts restrictions on suing another driver for pain and suffering, but it is often less expensive than a full tort policy. There are other post-accident benefits that may be included in your policy, such as rental car reimbursement and towing coverage.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
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Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.
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