Coverage for your everyday vehicles is a must-have in the state of Pennsylvania and a must-have for your peace of mind. There are many different policies and coverages that will fit your needs for coverage, including coverage for rideshare drivers.
It is important to review your auto policy with us to ensure that you have the proper coverage for your vehicle and lifestyle.
Motorcycles & Toys
Auto policies aren't just for cars and trucks. There are many options available to cover your motorcycles, bikes, ATVs, boats, RV's, snowmobiles, and many other motorized vehicles.
Whether you purchased a new "toy" or are looking for new coverage on your old "toys" we have everything you need with our policies.
Collector Car Policies
Antique and classic cars are a very valuable possession and also often a hobby for their owners. We understand the value of your antique and classic cars both monetarily and as a passion.
We offer a variety of different coverages and options to ensure that your prize possessions are protected whether driven on the road or on a trailer.
Important Terms to Know
Full Tort policyholders have the advantage of having the full rights to sue a negligent party that caused the policy-holder pain and suffering.
Limited Tort means that you are still covered for any injuries and damages to your property but you give up your right to file for compensation for any other nonmonetary damages, like pain and suffering.
There are some exceptions to pain and suffering compensation under limited tort policies including:
-Accidents on a motorcycle
-Accidents as a pedestrian
-Accidents taking place when you are a passenger in a commercial vehicle
-Accidents caused by an impaired driver
-Accidents with an out of state vehicle
-Accidents that result in serious injury
Full Tort vs. Limited Tort
The difference between the actual cash value of a vehicle and the balance still owed on the vehicle, whether leased or purchased with an auto loan.
Pays for the cost of a brand-new car of the same make and model of the current year. If you total your vehicle in the first five years. This does not cover leased vehicles.
When you pay your bills on time consecutively you may be eligible for a premium reduction.
Accident forgiveness is an option that helps you avoid a rate increase the first time you get into an accident in a 36 month period.
Every 6 months, if all drivers on the policy are accident and major violation-free deductibles will decrease by $.50 every 6 months, up to $500 total.