Auto Liability is the first part of your auto insurance. This protects you and your family if you injure someone or damage property with your vehicle.
The first part is bodily injury liability. This is coverage if your at fault in an accident and the other party is injured. The second part is property damage. This provides coverage for property that you might damage when your at fault in an accident. This includes other vehicles, homes, buildings, signs, telephones poles, etc. These coverages are important because they protect your assets, salary, property, business that you own, etc. if your found liable in an auto accident..
In Pennsylvania, like most states, Bodily injury and property damage can have separate(split) limits or combined limits. Currently the minimum limit is Pennsylvania is $15,000 per person, $30,000 per accident of bodily injury and $5,000 of property damage. These limits are very low and do not provide much protection in the event of an accident. Have you had your car repaired recently? $5,000 of property damage is probably not enough to pay for a lot of bumpers.
If you borrow a car, your borrowing their insurance. But your auto insurance is backup if their limits run out.
What are your limits? Do you have enough to protect your assets if your at fault in a bad accident? People think it’s really expensive to got to high limits, but it’s not. Let us show you your options and the prices for those options.
If you would like us to review you limits and provide you proposals that are customized to your needs, give us a call at 412-444-4470 or fill out the form on our website.
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