Our agency is based on treating our clients like they are our family. With over 40 different carriers we are very competitive. Our expertise is finding what your risk is and guiding you through the process of insurance. The process is not hard or long. Our core value is making sure you have the most coverage for what you can afford. We are Ethical in our business practices. If there are any questions that you have, we want you to call us and ask us any questions you may have. Teh best client is the one who feels comfortable in referring us to his family and friends.Please feel free to call us just to ask questions. We enjoy speaking with people.
- Errors and Omissions (E&O), Business Owners Policy Property, Excess Liability, Medical Malpractice, Public Official, Motorhome, Fidelity Bond, Employment Practices Liability, Farm Owners, Account Receivable
- Southampton, PA 18966
If you're trying to find the best medical claim auditing services, look no further than TFG Partners. We invented many of the best practices in use today by pharmacy benefit and medical claim auditors. When you work with us to audit your company's health and prescription plans, we review 100-percent of claims. It provides an unmatched accuracy level and helps you recover overpayments and correct systemic errors. If you're about to switch to a new third-party administrator or pharmacy benefits manager, let us help with an implementation audit. It will flag any areas that require attention.
- Pittsburgh, PA 15222
- Recreational Vehicles, Farm Owners, Workplace Violence, Commercial Auto, Kidnap and Ransom, Business Owners Policy Property, Motor Carrier, Special Events, Travel Trailer, New Financial Guarantee
- Malvern, PA 19355
Pennsylvania is home to some of the most stunning natural landscapes in the nation. But sadly, it comes with some drawbacks If you drive in Pennsylvania, you must be mindful of potholes, unexpected deer strikes, and other driving disasters. That is why having reliable auto insurance in Pennsylvania is crucial. If you are hurt in an accident, Pennsylvania car insurance will shield you from having to pay for medical care or repair costs out of your own pocket.
Understand more about Pennsylvania auto insurance with your local independent car insurance agents to get the finest protection for your vehicle.
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Popular Car Insurance Coverage in Pennsylvania
There are two types of car insurance available in Pennsylvania-full tort and limited tort.
Full tort means that no matter who is at fault in the unfortunate accident, you can sue for pain and suffering. Limited tort means that you can only sue the other party for pain and suffering if the other driver is at fault. Whether you have commercial auto insurance or personal car insurance, your policy must have these two coverages, bodily injury liability and property damage liability, for it to be valid in Pennsylvania.
Other types of coverage in typical car insurance are:
- Medical Benefits
- Bodily Injury Liability
- Property Damage Liability
- Limited or Full Tort
- Uninsured Motorist
- Underinsured Motorist
- Gap Coverage
- Extraordinary Medical
- Funeral Benefit
- Income Loss
- Accidental Death Benefit
- Towing Coverage
Car Insurance Requirements in Pennsylvania
According to car insurance laws in Pennsylvania, all drivers of registered vehicles in the state are required to keep liability insurance (also known as financial responsibility). Vehicle liability insurance pays for any property damage or personal injuries you might cause in an accident. No matter you buy car insurance in York or car insurance in Murrysville or any other city or community, following these laws are a must.
Coverage Type Minimum Coverage Limit
- Bodily Injury Liability Coverage (per person) $15000
- Bodily Injury Liability Coverage (per accident) $30000
- Property Damage Liability $5000
- Medical Benefit $5000
Average Cost of Car Insurance in Pennsylvania 2023
Local car insurance agents can assist you in getting the right policy from a Pennsylvania car insurance company. In the meantime, you can refer to the following table that shows the insurance rates for car owners from the top car insurance companies in Pennsylvania.
Pennsylvania Auto Insurance Companies Average Annual Full Coverage Premium
- Geico $970
- Erie $1,287
- Nationwide $1,110
- Progressive $1,519
- Allstate $3,356
Frequently Asked Questions
How can I locate car insurance agents in Pennsylvania?
Locating auto insurance agents in Pennsylvania is easy through Agency Height. You can find agents living in various cities of PA, such as car insurance agents in Lititz, PA, car insurance agents in Connellsville, PA, car insurance agents in York, PA, car insurance agents in Natrona Heights, PA, and so on.
What do you need to do to get car insurance in Pennsylvania?
You will typically need the year, make, and model of your vehicle, its vehicle identification number (VIN), as well as the name, date of birth, and driver’s license number of each driver living in your home, in order to obtain an auto insurance policy. Your Social Security number can also be required. Although you can ask an agent to quote a variety of coverage alternatives if you would want to compare them, having a general concept of the policy types you want quotes for can also be helpful.
Is car insurance expensive in Pennsylvania?
Auto insurance cost in Pennsylvania is generally low. While the average rate of full coverage car insurance in the U.S. is $1,771 per year, full coverage car insurance in Pennsylvania is only $2,002 per year on average. For minimum coverage, the cost of car insurance in $441.
How much should my insurance company pay me if my car is damaged?
Your car insurance company is required to pay the amount necessary to return the motor vehicle to its same condition just prior to the damage. At your request, you may obtain information from the insurance company regarding repair facilities within a reasonable distance of where the motor located-
and where work will be operated. You are not required to use any specific repair shop.
How to find best car insurance in Pennsylvania?
There are a few things you can do to find the best car insurance in Pennsylvania. First, make sure you are familiar with the different types of coverage available. Second, get quotes from several different insurers. Finally, read the policy documents of your Pennsylvania auto insurance plan carefully to be sure you understand what is covered.
What car insurance is required in Pennsylvania?
All drivers in Pennsylvania are required to have liability insurance. This type of coverage pays for damages to other people and property if you are at fault in an accident. It is illegal to drive without insurance. You will need to show proof of insurance when you register your vehicle or renew your registration.
What is the Pennsylvania Assigned Risk Plan?
Pennsylvania’s Assigned Risk Plan is a program that offers automobile insurance to those who are unable to obtain coverage. All insurance companies writing automobile insurance in the commonwealth are required to participate in the plan. Applicants are assigned to insurance companies in proportion to the amount of business each company writes in the commonwealth. You may contact the plan’s customer service office at (401) 946-2800, or toll-free at (800) 477-6146.
What is the minimum required insurance coverage needed to own and operate a vehicle in Pennsylvania?
The minimum required coverages in Pennsylvania are:
Medical Benefits — This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available.
Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/
$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage. Some companies offer a single limit of $35,000, which meets the bodily injury liability and property damage liability minimum requirements.
Can PennDOT suspend my vehicle registration if I don’t have automobile insurance?
The Department of Transportation can suspend your vehicle’s registration if you do not maintain the required insurance. Additionally, your driver’s license may be suspended if you operate the vehicle
without the required insurance.