Discover Your Insurance Options

Collision coverage will help to repair or replace a vehicle if loss occurs due to collision with an object or a person.  If you are driving and an accident occurs that is your fault, collision is the only coverage that will serve to help with the repairs on your vehicle.

If another driver is at fault, but they are uninsured and they don’t have the funds to pay for the repairs to your vehicle, collision coverage again is the only thing you can rely on for help.

Comprehensive covers loss associated with a vehicle for reasons other than collision.  Loss due to theft, vandalism, flood, fire, or falling objects would be covered by comprehensive.  Windshield damage and collision with an animal are also examples of claims under this coverage.

No insurance company is going to pay more to repair a vehicle than what it is worth, unless the policy contains special provisions.

Most insurance companies require loss deductibles on physical damage coverage.

Every person who owns a registered vehicle needs to insure it in order to be within the law and every policy includes liability.  This covers our responsibility to others at the time of an accident.

If we are responsible for damage to another person’s vehicle, if an accident was our fault, then the Property Damage Liability coverage on our policy would pay.

If someone is determined to be liable for someone else’s injuries, then Bodily Injury Liability may pay out to cover their responsibility.  This may include payment for such things as pain and suffering judgments.

Much higher limits of coverage are available than what Pennsylvania laws require us to carry.

Various Lancaster insurance agencies may have different recommendations as to the correct limits of liability coverage.