Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. We can help you determine the best coverage for your needs.

Auto insurance consists of different types of coverage.  It provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.

• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

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Auto insurance requirements vary by state. In some states, to drive you must carry:

• Liability coverage to pay for losses you cause others

• No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault

• Both liability and no-fault coverage.

If you're financing a car, your lender may also have requirements.

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Why do you need auto insurance?
The biggest reason is to protect yourself financially. Having Auto Insurance: 

• covers your financial losses, which often times can be a lot of money, if your car is damaged or stolen.

• covers your medical costs if you or any passengers are injured in an accident. Medical costs can be very expensive

• protects you if you are sued for causing damage or injury to others.

• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

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We write insurance in Pennsylvania, New Jersey, and Delaware and would be happy to help you ensure you have the right car insurance coverage.

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Every person is different: contact us today and find out how to get the best price and value on your car insurance.