Auto Insurance in Plum, PA

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Auto Insurance for Peace of Mind, In Plum, Pennsylvania, (PA) 

Insurance is essential for Allegheny County drivers. In addition to meeting statewide financial responsibility requirements, car insurance in Plum, Pennsylvania, (PA) can also provide additional benefits. Ask a VIU by HUB insurance broker about options for additional coverage. The right automotive policy will provide peace of mind when driving in Plum borough and Pittsburgh, taking the Pennsylvania Turnpike and on route to any destination.

Financial Responsibility Requirements

The state of Pennsylvania requires that drivers maintain financial responsibility on vehicles, which means that every motorist should have at least a policy that meets at least minimum liability limits. Other aspects of a policy can affect a driver’s bottom line and out-of-pocket costs. Here are three areas of liability coverage to check when comparing policies for car insurance in Plum, PA. 

  • Liability for bodily injuries: Every driver is liable for bodily injuries inflicted upon other drivers in collisions. For this reason, the state requires that car insurance policies cover at least $15,000 in liability for injuries to one person and up to $30,000 per accident.
  • Coverage for medical benefits: Medical benefits coverage is another mandated form of liability protection for Pennsylvania motorists. Auto policies should include at least $5,000 in medical benefits coverage.
  • Coverage for property damage: Drivers should also maintain at least $5,000 in liability coverage for causing property damage. It is possible to get a policy with higher limits in this area or any other form of liability.

Additional Car Coverage Options

In addition to the required areas of coverage, customers have many options when seeking out car insurance in Plum. PA. From policies that provide different payout amounts for replacing a complete loss to options for any type of auto policy, VIU by HUB insurance brokers can recommend options that provide the level of coverage you need for any type of vehicle or driving lifestyle. Here are some of the most common benefits found in more comprehensive car insurance policies:

  • Agreed value coverage: A vehicle owner and insurer can agree to cover a vehicle at a set value. Agreed value coverage can be helpful for restored or upgraded vehicles.
  • Replacement value coverage: Replacement value policies cover the full cost of replacing a vehicle. Replacement value coverage does not factor in depreciation.
  • Electronic equipment coverage: Most car insurance in Plum, PA excludes electronics. A VIU by HUB broker can recommend additional coverage to protect valuable audio and video equipment installed in vehicles.
  • Full glass coverage: The cost of replacing a broken windshield or other damaged automotive glass can be covered with additional full glass coverage. Policyholders may not need to meet deductibles prior to making claims.
  • Underinsured and uninsured: Drivers who lack sufficient insurance coverage make it more difficult to collect on damages. Additional coverage that supplements policies with no limits or a lack of insurance can make it easier to settle claims after a collision.

Many car insurance policies cover the actual cash value of a vehicle. This calculation factors in depreciation and may not pay out enough to replace a vehicle. Many drivers prefer car insurance policies that cover replacement value. Agreed value coverage can be a good option for restored vintage cars or vehicles with aftermarket upgrades. Coverage for various features and systems can also be beneficial for reducing out-of-pocket costs. Higher liability limits and coverage for collisions involving other drivers who are underinsured or uninsured can provide even more peace of mind.

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