If there’s one thing about auto insurance Philadelphia, PA residents should know, it’s the importance of comparing policies and prices. In today’s blog post, our experts explain how Insurance Shops can help you find auto insurance in the Philadelphia area that suits your needs and your budget.
How Auto Insurance Works
Auto insurance can be customized to suit your budget, but with different types of coverage available, it can be difficult to know what exactly you need. Let’s take a quick look at the types of coverage that can be included in a policy:
Liability Coverage
In the event that you are at fault in a motor vehicle accident, liability coverage provides you with two types of protection. The first is coverage for injuries sustained by other people, as well as any damage to someone else’s property. This means that if you or a family member covered by your auto insurance policy hits someone else’s car and injures them, your liability coverage will cover damages to their vehicle, as well as their medical expenses.
Medical Payments Coverage
This coverage is intended to help pay for injuries you yourself sustain in an accident, or for injuries sustained by others involved. Medical payments coverage can be utilized no matter who is at fault.
Uninsured Motorist Coverage
In the event that you are involved in a car accident with an uninsured driver, this coverage helps pay for medical expenses related to any injuries you sustain as a result of the accident. Studies show that roughly one in seven drivers is uninsured (this means they are breaking the law by driving around without liability coverage). This makes it clear why it’s important to protect yourself. In many states, underinsured motorist coverage is also available, which provides additional protection if another driver’s coverage is not enough to cover incurred expenses.
Physical Damage Coverage
Lastly, physical damage coverage pays for damage to your own vehicle.
How Insurance Shops Can Help You
Our services come at no cost to you! Our qualified insurance agents will run quotes for auto insurance through the insurance companies in your area and recommend policies that meet your needs and your budget. Insurance Shops has over 25 years of experience as a trusted resource for all your insurance needs. Fill out our contact form or call (215) 613-4999 for a free quote and get started!
