The Basics of Bucks County Auto Insurance
Finding a Bucks County auto insurance program that fits you & your family’s need is the most crucial element to purchasing auto insurance. We’ve provided some basic insurance information below for educational purposes.
*All terms below are simplified descriptions of common auto insurance coverages. Each line of coverage is subject to the limits, terms and conditions of the actual policy you purchase. Consult your Bucks County insurance agent for more information.
Collision coverage in broad terms, it pays for damage to your car if it hits another car or object. A deductible normally applies for this coverage.
Property damage liability coverage pays for damages to another person’s property when you are responsible for an accident. It also provides coverage to defend you if a lawsuit comes from the auto accident.
Bodily injury liability coverage generally pays damages for bodily injuries to the passengers & driver in the other vehicle when you are responsible for the incident. This coverage normally provides coverage to defend you if the case of a lawsuit from an auto accident.
Uninsured or underinsured motorist bodily injury coverage generally pays for damages for bodily injury to you and your passengers when caused by another in an auto accident and the person legally responsible either has inadequate or no insurance.
Medical payments coverage generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.
Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.
How much auto insurance coverage do I need?
That’s a critical question. Getting the right car insurance isn’t simply a matter of typing in your year, make and model. You need to assess your liability risks and the exposures your vehicle or vehicles face. You may need to evaluate repair costs for things like hybrid batteries, air bags or specialty additions you made or had installed by the manufacturer. If you have customization or specialty equipment, such as satellite radio or a lift kit, your insurance policy might need to specify that.
We would love to work with you to discover your Bucks County Auto Insurance needs. Give us a call today – (855) 407-4450