Auto Insurance in Pennsylvania, New Jersey and Delaware
At the Farrell Insurance Agency, we offer a comprehensive line of quality coverage plans in the states of Pennsylvania, New Jersey and Delaware. We do the shopping for you so you can be assured of the best price for the exact type of coverage you need. Below are some basics regarding collision and liability for you to consider in your state when obtaining auto insurance. To sort through the maze of options, visit us online and use our tool to get an instant quote. You may also wish to call or visit us (if local to Lansdale, PA), and get any questions you may have answered. Independent insurance agents at Farrell Insurance Associates can help you make sure you have the coverage you need, and maybe help you avoid getting insurance that you do not need.
While having some liability insurance is the law in the Tri-State Area, not everyone obeys the law. For this reason there is coverage for underinsured and uninsured motorists. This will cover your vehicle if you are in an accident with someone who does not have adequate insurance to cover your damages.
Medical benefits insurance is also required in this area. These requirements can make insurance a little complicated, so having independent insurance agents at Farrell Insurance who can help you work your way through the maze can be very helpful.
The liability coverage of course will cover damage caused by your vehicle, and the medical coverage will pay any medical claims. The minimum for medical claims is $5,000, but many people want more than that small amount of coverage when it comes to medical issues.
There is also collision and comprehensive coverage for almost everything else involving your automobile. Collision covers damage to your car when you run into something, and comprehensive covers your car when it is damaged by other things, such as a hail storm or theft.
You may be required to have collision and comprehensive coverage if you have a loan on your automobile as the bank wants to protect its assets. You also would not want to have to keep paying for a car that had been destroyed in an accident, and without this coverage you would still be on the hook for the loan.
Visit us online today and use our software tool to help you get information about types of coverage available for your automobile, and likely costs involved. Our agents can help you find the right policy for your situation, to protect your home and your family. You may also give us a call or visit your independent insurance agents in Lansdale, PA.