Auto Insurance in Media, PA

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The Necessity of Car Insurance in Media

If you own and operate a vehicle in Media, Pennsylvania, you must carry car insurance. Failure to have basic coverage can result in fines and the loss of your driving privileges for a period of time. Beyond the basics, though, Media car insurance makes sure you do not face major expenses in the case of an accident or other incident that causes vehicle damage.

As part of the thriving suburbs of Philadelphia, Media has many attractions worth visiting. These sites include the Delaware County Institute of Science and the Pennsylvania Veterans Museum near the town center. Even on a short trip accidents can happen quickly so it is important to carry adequate insurance at all times. VIU by HUB can make sure you have the right insurance for your lifestyle.

Our brokers know that each person has unique needs for Media car insurance. You could have multiple vehicles and several drivers, all requiring robust coverage. Some drivers will operate their vehicles for many miles each day, while others only take to the roads now and then. An experienced broker will know how to structure the best policy for your needs.

Starting With the Basics

Your auto insurance must cover the basics. This is determined by the state of Pennsylvania. In short, you must be able to meet the financial responsibilities of owning and operating a motor vehicle. The minimum level of coverage accomplishes the legal requirements. In Pennsylvania, you must carry these coverages at all times:

  • Medical benefits of at least $5,000
  • Bodily injury liability of $15,000/$30,000
  • Property damage liability of $5,000
  • Limited tort coverage

VIU by HUB can make sure you have the basics in place. If you own newer vehicles, you will likely want to expand your Media car insurance policy to carry higher limits and to add optional coverages. 

Getting Stellar Customer Service

Not all insurance companies in your area are created equal. VIU by HUB offers many competitive advantages for its clients. These include such things as a wide choice of insurance carriers and a customized policy. You can also expect prompt attention to all of your service needs. If you have to make changes to your policy, file a claim, ask questions or set up a payment plan, you will receive a professional response. You will also receive timely notices of when your policy is up for renewal to make sure your coverage does not lapse.

Going Beyond the Basics

When looking for the right Media car insurance, you will have many valuable options to consider. These coverages can insulate you from having to pay money from your own pocket. For those who own specialty vehicles or have cars or trucks with unique assets, we can look at additional insurance needs. Such factors as vehicle usage, vehicle storage and vehicle valuation could lower premiums or provide more appropriate coverage.

Optional coverages are all about making smart financial choices. Your VIU by HUB agent can recommend the best protection for your situation. Common additional coverages include the following:

  • Uninsured and underinsured motorist coverage
  • Funeral benefit
  • Stacking of UM or UIM
  • Collision
  • Comprehensive
  • Rental reimbursement coverage

Towing coverage reimburses you for charges to tow a disabled vehicle to a body shop. Gap coverage pays the difference between the value of a totaled vehicle and the amount you owe on the auto loan. All of these coverages can be incorporated into your Media car insurance, often at very reasonable rates.

This information is intended for general informational purposes only and is not intended to constitute legal advice.