Auto Insurance

Having the right auto insurance policy can help protect you financially if an accident occurs or if an accident damages your vehicle. An auto insurance policy is intended to provide you with a layer of protection against property, liability, and medical costs following an accident. But choosing the right auto insurance can feel overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.

What Do Auto Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

• Collision insurance—This portion of your policy helps cover damage costs if you collide with another vehicle.
• Liability insurance—If you cause a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Pennsylvania, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in your liability insurance coverage:

• • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
  • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

• Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if an accident occurs.
• Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.

• Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

You may need additional coverages based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

How to Get Auto Insurance

Lafaro Insurance Agency is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.