Many people find the thought of insurance frustrating and confusing. There are many aspects to insurance coverage and the bottom line is that when you do not know how your monthly payments apply to the coverage you get, it’s a bit unnerving. Of course, this is why it is important to speak with a professional Erie insurance agent who understand how insurance works. If you live in Pennsylvania or are planning to move there, a licensed professional can help to break down the differences between insurance in Pennsylvania and other states, and what minimum requirements you need to satisfy in order to drive legally.

Of course, the first thing you want your Erie insurance agent to do is find the best possible policy for you. Since every driver is different and lives under different circumstances it is important for you to remember that you should not compare your quotes to that of another person. There are so many variables that it is often impossible to get the same rates as another person. At the same time, if you are only looking for bare minimum coverage, then there is a bottom line that you should be able to expect.

In Pennsylvania, there are three components of the most basic insurance policy. First of all, you need to have liability coverage for Bodily Injury and Property Damage. Basically, with this coverage, you can be sure that if you get into an accident and it is determined that you have to pay damages you will be able to do so. The third aspect of a Pennsylvania insurance policy is basically some extra coverage that is there to ensure that you are able to replace your vehicle, get medical attention, and return to work as quickly as possible after an accident. Your Erie insurance agent can help you determine how much of each is best for you.

If you are moving to Pennsylvania from a “no-fault” state, this aspect of paying damages may seem somewhat foreign to you. This is because in a no-fault state, every person who is involved in an accident is responsible for handling their own damages, repairs, or hospitalization. Pennsylvania is a Tort state which requires that at least one person involved with the accident must be responsible for causing it, and thus must also be responsible for paying for the damages. Again, your Erie insurance agent can more accurately explain how this works.

Your Erie insurance agent might also make a suggestion that you add a few extra features to your insurance policy. If you have a family, for instance, or you drive an expensive car, you have a lot to lose in a bad accident. If you are in an accident with someone who has inadequate insurance, though, you will end up having to repair or replace these expensive things. Of course, you cannot simply “fix” injuries that your children might sustain. In this case, your agent might suggest supplemental coverage for you, but this is a case by case basis.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
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