Basic auto insurance is what is mandated by the state. In Pennsylvania that is liability coverage in the amount of 15/30/5. That means $15,000 for the first person injured in an accident with a total of $30,000 for the entire accident. The $5,000 is property damage. As you can see, that really is basic coverage. At The Shay Agency in Wilkes-Barre, PA our experienced staff places service first, and we will make sure you have the insurance you need.
Basic liability coverage may be fine if you are someone who doesn’t have a lot of assets. But if you own a home, a business, or anything else of value, you probably should have more than just basic liability insurance. As a matter of fact, having an umbrella policy is probably warranted.
Collision coverage provides coverage for your vehicle in the event you are the driver responsible for an accident. Since most people count on their vehicle in order to get to work and do all the things people do, being able to get it repaired or replaced makes good sense.
Life is filled with hazards many of which are beyond your control. If one of these hazards damages your vehicle or your vehicle is stolen, knowing that it will be repaired or replaced provided peace of mind.
Rental reimbursement coverage will provide a rental car to you when your vehicle is damaged in an at-fault accident or a beyond your control event. The number of days is not unlimited so get your vehicle repaired as quickly as possible.
You may be paying a yearly fee for AAA when the reality is you can spend a lot less getting it through your auto insurance.
Contact The Shay Agency in Wilkes-Barre, PA for all your insurance needs.