Like all states, Pennsylvania has auto insurance coverage that is mandated by the law in order to legally drive. Knowing what these are is important when getting your insurance coverage. You can count on the team at H. Dean Allison Insurance in Altoona, PA to make sure that you have the required coverage and to discuss with you the optional coverage that is available for your vehicle.
Types of auto insurance coverage
Liability
In Pennsylvania, the required liability coverage is 15/30/5, which is $15,000 for one person injured in an accident, $30,000 for more than one person, and $5,000 for property coverage.
Collision
Collision coverage protects your vehicle if you are responsible for an accident or are the victim of a hit-and-run. The coverage has a deductible that will have to be met. But then the insurance will pay for the repair of the value of the vehicle if it is not repairable.
Comprehensive
Comprehensive coverage covers your vehicle for damage from things other than a collision. It also has a deductible, and it covers theft, vandalism, flooding, and other damage caused by high winds, ice, hail, and more. It also includes glass coverage.
Full glass
With full glass coverage, there is no deductible to pay before coverage kicks in.
Gap coverage
If you have a car loan and a new car, there is the potential that you may owe more to your vehicle than the insurance values of your vehicle. You could be left owing a balance on your loan with a vehicle that has been totally destroyed. Gap coverage will pay the difference between what you owe and what you receive in payment.
Consult With Us
Contact our office to discuss your auto insurance needs. As independent insurance agents at H. Dean Allison Insurance in Altoona, PA, we can offer more choices and the best rates.
