Accidents happen every day in our tri-state area. But do you understand all the details of our policy? Have you given thought to the uncomfortable what ifs?
Thank you for reading this post, don't forget to subscribe!PA Auto Insurance Outlet has a team of experienced agents to respond to any question you may have. We have compiled a list of 7 questions to ask your auto insurance agent that are fundamental to keep yourself safe and protected.
1. What are minimum insurance requirements for an automobile?
In the state of Pennsylvania, the minimum required insurance includes $5,000 for medical, $15,000/$30,000 for liability, and $5,000 for property liability. The liability minimum of $15,000 is for injury to one person and $30,000 is for the entire accident.
2. How much coverage is enough for car insurance?
After you have the minimum covered your agent should be able to help you decide about underinsured and uninsured motorist insurance. They should also discuss with you how often you use your vehicle, how many miles you drive in a month, and whether you also use your auto for work.
The answers are used to help you assess how much auto insurance is enough for you.
3. What happens when you file a claim with auto insurance?
Your agent should be able to discuss turnaround times if the worst happens. It is also important to know if you will deal with your agent directly, and be able to have a number where you can reach them when necessary when filing an auto claim. It is not pleasant to think about, but knowing what to expect helps in a time of crisis.
4. Am I getting all the proper auto insurance discounts?
Once your agent calculates your risk factors there may be some wiggle room for savings. A safe driving record, multiple policy lines, and multiple years with a company can help. Your agent should be able to speak to any offers the company has.
5. What is not covered in my vehicle policy?
This is one of the most vital questions to ask your auto insurance agent. Policies vary and you should know for certain whether other drivers of your vehicle are covered. Are your own car rentals are covered? Also ask if you are covered while driving another vehicle.
6. What if someone gets hurt in my car?
Minimum coverage may not be enough if someone is injured in your vehicle. Ask about all of the scenarios that might apply to you – your agent should be able to provide a level of coverage you are comfortable with. You will be personally liable beyond your policy limits for medical costs.
7. What do I have to pay if involved in an accident?
You will be responsible for your deductible amount. You will also be responsible for any amounts owed beyond your current coverage limits. That is why it’s so important to talk with your agent about your vehicle usage an risk factors.
Crunching numbers to decide risk factors is something most of us dread. Your licensed auto insurance agent at PA Auto Insurance Outlet knows all about those risks and will clearly communicate the best course for your needs.
Feel free to ask these questions to our auto insurance agents. Our team of professionals will take the time to understand your driving situation and work with you for the best coverage at the best price. Call or contact us for answers to all your questions today.