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“The staff has always been readily available to answer any questions I’ve had. The firm has helped with all my Auto and Home policies. When my children began driving, they helped me make sure we all had the proper coverage. Erie provides the product and Susquehanna provides great service to make it a Win-Win!”
– Don N.
Auto or car insurance is required by the state of Pennsylvania but most people don’t think about what it actually is until they need it. According to the car insurance industry, the average driver will have three to four accidents in their lifetime. While most will not be life-threatening, an accident without proper auto insurance could leave you exposed to thousands of dollars of repairs if you are not properly insured.
Not all car insurance is the same. Some car insurance policies only cover you for the state minimum requirements, but here at Susquehanna, we will work with you to find the best options. The lowest premium isn’t always the best option for our customers. Our team will help you balance how different coverage options and premium costs will effect benefit you the most.
The minimum auto insurance requirements in the state of Pennsylvania are 15/30/5. Although that is all that is required, we can almost guarantee that it is not enough.
These requirements do not cover your damages but are in place to protect individuals who you have either injured or damaged their personal items.
In the state of Pennsylvania, you need $15,000 of individual liability. This coverage pays if you caused physical injury to another person. $30,000 of coverage per occurrence or the most that will be paid to individuals involved in one accident.
The last and maybe most important element is the $5,000 of property damage. This pays for damage you cause to another car, mailbox, etc.. As you can imagine $5,000 does not go very far these days of backup cameras, lane assist sensors, and high-end vehicles.
By not having adequate coverage you are opening yourself up to serious financial risk. We will help you walk through what limits are most appropriate for you to make sure you are protected but not paying too much.
Having insurance to protect other people is required (what we talked about above), but having coverage for your own car is not. Depending on the age and type of car some people choose to not have comprehensive or collision insurance for their cars. This means that if they were in an at-fault accident the person you hit would be covered but the damage to your car would not. This only applies to a few people, so for everyone else how do you make sure you are protected from theft, accidents, deer, or trees falling on your car?
The two coverages that protect your vehicle are Comprehensive and collision.
Other optional but important elements of your auto insurance are:
There are additional add-on converges to consider when looking at your auto insurance. Make sure you talk to your agent about each and if they fit your lifestyle and budget: