Auto insurance is meant to financially cover you in the event your vehicle suffers damages and/or losses. Additionally, the right auto insurance plan provides protection to not only you and your automobile, but also other passengers, innocent pedestrians and even property, as well as in the event you’re involved in a legal matter.
Securing the appropriate car insurance starts with knowing your state’s requirements. Duffy Insurance is located in York, Pennsylvania. The typical coverage types in the Keystone State include:
- Bodily Injury Liability
- Property Damage Liability
- Uninsured Motorist
- Underinsured Motorist
- Medical Payments
The coverage for bodily injury liability is geared toward expenses related to injuries or the unfortunate death of another person at the site of an accident where you’re at fault. In this scenario, your auto insurance plan helps your ability to pay for medical and funeral costs, fees for emergency assistance that come to aid at the scene, income losses and costs for legal defenses.
Property damage liability is an option that includes coverage for costs that come when you damage another person’s property or home. Through this auto insurance option, you can have funds to pay for the car’s repairing and/or replacement bills, expenses needed to fix structural damage done to a home or fees needed to replace a stationary object.
The uninsured and underinsured motorist coverage options can crucially come in handy. When you’re involved in an accident where you’re actually not at fault, yet the other driver does not have insurance, your uninsured motorist coverage plan will cover your medical and repairing expenses. Should the other driver have insurance, but not enough of it, then having an underinsured motorist coverage plan will undoubtedly help you. The difference between your personal bills and the other driver’s coverage will be covered to the limits of your policy.
Including the medical payments options in your car insurance gives coverage for your medical and funeral expenses in the event you or your passengers are injured or a death occurs. It does not matter who is deemed at fault with this option, as coverage can apply to a dear family member, friend and even a pedestrian. It must be noted, that while this option may initially appear to be similar to health insurance, it differs by covering passengers and aiding with co-pays. This could be a valuable option in your auto insurance plan, as fees for visits to the hospital, x-rays, operations and costs for EMT assistance may need to be paid as the result of an accident.
In the scenario where you suffer an accident and your car is damaged, the collision coverage in your auto insurance plan will deal with the costs needed to repair or replace your vehicle. This coverage involves colliding with another automobile, hitting a still object or being in an accident where your car is parked. It’s important to know this coverage type has a deductible, which is when a portion of the damage is paid by your own personal funds and the remainder is covered by the value of your car.
Somewhat similar to collision coverage is comprehensive coverage, as it also comes with a deductible. However, this coverage involves the repairing or replacing of your car when it is has been damaged by vandalism or a storm. This happens from natural disasters, objects falling on your vehicle, damages from theft or even from animals.
Call Duffy Insurance today at (717) 845-1500 to get started on obtaining the best auto insurance plan for your needs!