Why basic auto insurance isn’t always the right choice

When you opt to be a car owner, you must abide by the laws in the state where you reside and register your vehicle. In Pennsylvania, like almost every other state, there is a mandate for the amount of auto insurance that drivers are required to have. While this basic insurance is right for some people, it isn’t always the right choice. At Gallina and Sons, we offer the residents of Pittsburgh, PA the option of choosing an independent insurance agency that provides plenty of choices and also good advice when needed. 

In Pennsylvania, basic auto insurance is 15/30/5. You must carry $15,000 for bodily injury to the first person in the other vehicle when you are responsible for the accident with $30,000 for the entire accident coverage. $5,000 in property damage is also required. You must also have a minimum of $5,000 in medical benefits for you and others covered by your policy no matter who is to blame. 

These are pretty basic amounts and while they may be enough liability for some people, for many they will be way too low if you have considerable assets. The property damage in particular is very low given the current cost of repairing or replacing a vehicle.  

If you have an auto loan or a lease, you will not be able to get by with basic auto insurance. You need to protect the vehicle. Therefore, you must carry collision and comprehensive coverage. But if you use your vehicle every day, even if you don’t have a loan, you may want to carry comprehensive and collision to protect your vehicle if you have an accident or your vehicle gets damaged by an unforeseen event. 

Contact Gallina and Sons if you live in or near the Pittsburgh, PA area when you have insurance needs. 

Do i need auto insurance plan in Pittsburgh, PA?

Have you ever been involved in a car accident and experienced how tedious and time-consuming the entire aftermath can turn? Possessing an outstanding auto insurance plan in Pittsburgh, PA may shield you from suffering a substantial financial loss in the event of a car accident. Splendid auto insurance spares you from negotiating with other drivers and property owners if uncertainties strike. To avoid these hassles after an accident, every driver in Pittsburgh, PA should invest in auto insurance from Gallina and Sons for the below reasons.

It’s a legal requirement

Carrying the state minimums on auto insurance in many states is mandatory. Suppose you are engaged in an accident without observing this legal requirement, and there is damage to property and bodily injuries. In that case, you are liable for court fines and imminent civil liabilities if one gets killed. Pennsylvania law requires all motor vehicle owners to carry liability insurance on any registered vehicle to cater to property damage or injuries you inflict on others.

Safeguard you against liabilities

Accidents do happen and can trigger insurmountable damage to other people’s property and bodily injuries, resulting in a hefty financial burden. With solid auto insurance, you can get help with claims other parties levy against you in accidents. It includes legal defense if you need it.

Helps you protect yourself

Having salient auto insurance in Pittsburgh, PA can go beyond fulfilling a legal requirement. Uninsured and uninsured motorist coverage may reimburse your medical bills if you get hit by a motorist who is either underinsured or doesn’t have insurance at all.

Protection of your car

Every time you contemplate hitting the roads devoid of auto insurance, think about the amount of money you have invested in your vehicle. For this reason, you need to safeguard your investment from calamities like accidents, fire, and theft.

You gain peace of mind

Knowing that you have formidable auto insurance that protects you and your family accords you peace of mind. An auto insurance plan will help you in averting substantial monetary losses.

Are you shopping for comprehensive auto insurance in Pittsburgh, PA? You are on the right path. The next step is to connect with Gallina and Sons for an affordable quote.

Benefits of auto insurance coverage in Pittsburgh

The Pittsburgh, PA area is a great place to work and live. Those that would like to move to this area should consider getting a car as well as it will allow you to get around the metro area very quickly. Along with a new car, you should also get an auto insurance plan. There are several benefits that come with an auto insurance plan when you are here. 

Coverage Ensures Compliance With Obligations

A key benefit that is received when you get auto insurance coverage here is that it can ensure you remain in compliance with your obligations. Those that want to own and drive a car are going to be legally required by the state to carry liability insurance and will also have auto lender requirements as well. When you obtain a full insurance plan, you can be assured that you will be properly covered and are in good standing with all obligations.

Coverage Gives Protection

Even if you are not obligated to carry insurance for your car, it is still a good idea to have it. With a full auto insurance plan, you will have the coverage that could be needed to repair or replace your vehicle. You will also have the protection that is needed to mitigate and offset the liability risk that comes with driving. This can provide you with comfort and peace of mind that you are fully protected. 

Drivers in the Pittsburgh, PA area need to make sure that they are properly insured at all times. As you are looking for a new plan here, you should call Gallina and Sons. The team with Gallina and Sons understands the value that comes with this insurance. Their guidance can also help you choose a plan that is ideal and meets your needs. 

Why Do Auto Insurance Rates Change With Age?

In this economy, you always want to make sure you are getting the best deal possible. Because the nature of car insurance makes it a legal necessity, it is especially important that you get a great deal on your car insurance. One of the tricky aspects of car insurance, though, is how rates can seem to change simply because of your age. At Gallina and Sons, serving Pittsburgh, PA, we know that you need solid insurance information in order to make solid insurance choices. Keep reading to better understand why insurance rates change with age. 

What’s Age Got to Do With It?

Insurance rates are determined based on risk factors. In order to understand risk factors, insurance companies must research a great deal of information concerning auto accidents and who is involved in those accidents. Over the year’s insurance companies have discovered that age is a very significant factor in car accidents. For this reason, age often plays a significant part in determining your risk factor and that risk factor will determine your insurance rate. 

What To Expect 

Based on years of research, insurance companies have determined that young drivers are the most at-risk drivers on the road. Insurance rates for this age group will often be much higher. With age and a good driving record, however, these rates will come down. Another age group which has been identified as higher risk is elderly drivers. For this reason, insurance rates will often start to rise again after age 50. 

In order to keep your rates as low as possible, it is important to always practice safe driving and avoid speeding and traffic violations.

If you would like to learn more about insurance rates, please contact our office at Gallina and Sons, serving Pittsburgh, PA. We will be happy to answer your questions today. 

Full Coverage vs. Liability

Driving on the Pittsburgh, PA roads can be hectic, which is why it’s important to have the right coverage for your automobile. However, some drivers may be torn between getting just the minimum amount of coverage, liability, and getting full protection on their vehicle, full coverage. The insurance experts at Gallina and Sons have put together a handy guide to help you navigate the world of car insurance and compare these two different coverage types. 

What Does Full Coverage and Liability Cover?

When you have full coverage on a car, you are covered in the case that you get into an accident and you are either at fault, the other driver is at fault, or your car is damaged in an act of nature. Liability only covers you if you get into an accident and you are the one who is at fault. Both provide financial relief in the event you get into an accident, it’s just a matter of the severity of the accident and the specific circumstances of the accident that determines what coverage you will receive. To find out which coverage is the most appropriate for you and your circumstances, visit Gallina and Sons for a consultation. 

Which Is Better?

The answer to this question isn’t so cut and dry? Both coverage types are suitable for different kinds of people in different kinds of situations. If you want your car to be covered fully, then full coverage is probably the option for you. However, full coverage means a higher insurance cost than a liability. Liability may appeal to those who are on a budget or are just starting out and have their own car for the first time, but if you are hit by another driver who is deemed at fault and that driver has no insurance, you wouldn’t receive coverage from liability alone. 

Get Protected with Gallina and Sons

Our office serves the Pittsburgh, PA area, and you can contact us to find the right auto insurance coverage policy for you and your unique situation and lifestyle. 

Ready to Update Your Auto Insurance Policy?

Having good auto insurance matters, and if you’re in the Pittsburgh, PA area you can get that insurance through Gallina and Sons. One of the things a lot of people forget to do when they have insurance on their vehicle is periodically update it to make sure it’s giving them everything they need. They usually update it when they trade their vehicle in on a new one, but sometimes they forget. Or they might let someone start driving their car but forget to add that person to their policy. No matter what kinds of updates you need to make, or even if you just have questions about whether an update is necessary, working with a knowledgeable agent can make all the difference for having the right policy in place.

There are a number of reasons why you might want to update your vehicle insurance. Getting a new car or adding a driver are two important ones, but there are more. Sometimes people lower their coverage when they pay off their vehicle, or they want to bundle home, auto, and other types of insurance. Even if things in your household haven’t changed much, it might be worthwhile to check on a car insurance update. Sometimes those updates can make a big difference in the type and level of coverage you have. A trusted and dedicated agent can help.

Reach out to us today at Gallina and Sons, so you can get the auto insurance policy updates you need. We want to help customers in the Pittsburgh, PA area feels secure about the insurance coverage they have on their vehicles. Whether you need a specific update for a change n your vehicle or household, or you aren’t sure whether an insurance update could be beneficial, we can answer your questions and give you the information you need to make the right choice.

Why auto insurance is important for those in the Pittsburgh area

Those that live in the Pittsburgh, PA area will likely be much better off if they own a car. When you do purchase a car in this area of the state, you need to make sure that you are carefully considering all of your responsibilities. One thing that all car owners in Pittsburgh need to get is auto insurance. There are several reasons why someone in the Pittsburgh area needs to get auto insurance in place.

Allows for Full Compliance

One reason why getting auto insurance is so important is that it allows you to be full compliance with all rules and regulations. All car owners in Pennsylvania are going to be required to carry liability insurance whenever they drive their car. Additionally, if you have a loan out against your car, you need to also get collision and comprehensive insurance. This ensures that you have full coverage for situations that can result in a loss.

Protects Vehicle

While it is important to know your requirements when it comes to auto insurance, you also need to consider how you can protect your valuable asset. When you purchase a car, you are going to be making a big investment that requires you to pay a lot to own and repair it. Due to this investment, you need to try and protect your car as much as possible. Getting auto insurance will allow you to do that.

If you are looking for an auto insurance policy in the Pittsburgh, PA area, it would be a good idea to contact Gallina and Sons as soon as you can. When you reach out to the professionals at Gallina and Sons, you will get to learn more about all of your auto insurance needs. They can then help you to get into a great policy. 

Do I Still Need Liability Insurance for a Service-Oriented Business?

Many people are under the mistaken impression that if you own a service-oriented business, you don’t need commercial liability insurance. The fact is, as a business owner who offers a service, having liability insurance is extremely important. The agents at Gallina and Sons serve businesses throughout the Pittsburgh, PA area, providing them with the coverage they need to conduct their business efficiently and securely.

Damage to Property

If you are performing a job on someone’s property and something gets damaged in the process, you are liable. Having a liability coverage will protect you from financial loss if the property owner wants to file a claim against you. Liability insurance protects both you and your company in cases like this. It is up to you to determine what your potential liability should be so you can have the right policy in place while you are working. 

Your Equipment

If you are on the job and someone would trip and fall over your equipment or become injured due to its malfunction, a liability policy will be able to protect you from significant loss. Injuries can occur even if you have equipment clearly marked and out of the way. Even though you have secured everything, it’s still important to carry the necessary liability insurance to protect your business.

Call and schedule a consultation with the agents of Gallina and Sons. If you own a service-oriented business in Pittsburgh, PA, don’t wait until an accident happens! Call today and get the information you need. Having the right commercial policy in place is essential if you want your company to be fully protected.

 

When is it Required to Have Auto Insurance in Pennsylvania

If you live in the Pittsburgh, PA area, owning a car is often a very good idea and a practical necessity. Since you will likely need to be driving a car on a daily basis, it is important that you spend time considering your insurance needs. There are several situations in which it will be required for you to have auto insurance for your car.

When You Drive the Car

For people that are in the state of Pennsylvania, there is never a situation when you will not need to have auto insurance if you plan on driving the car. As soon as the car is on a public road, you are going to need to have at least the minimum level of liability insurance. This type of coverage will protect you if you are at fault in an accident and it is also required by state law.

If You Have a Loan

Most people that buy a car will have to take out an auto loan to finance the purchase. When you do take out a loan to buy the car, you undoubtedly will be required to get auto insurance as well. The lender will likely want you to have insurance to make sure that their collateral is protected if you are involved in an accident of incurring another loss. 

There are many situations in which you are going to be required to carry auto insurance. If you live in the Pittsburgh, PA area and would like to learn more about your auto insurance options, speaking with Gallina and Sons would be a great option for you. The insurance team at Gallina and Sons will be able to help you to choose an auto insurance policy that is right for you and your situation. 

What Is Standard Liability Auto Insurance In My State?

Gallina and Sons Insurance in Pittsburgh, PA – We Answer All of Your Questions From The Simple To The Complex 

The minimum required insurance coverage that is needed to own and operate a motor vehicle in the state of Pennsylvania are as follows: 

Medical benefits – $5000 is the minimum limit for medical bills for yourself and others regardless of who was found at fault in an accident.

Bodily injury liability – if someone is injured in a car accident either yourself or a passenger or someone in another vehicle this portion of coverage would pay the medical and/or rehabilitation fees if you are found liable. The minimum limits are $15,000/$30,000. $15,000 is the amount paid to one person to cover their injuries while $30,000 is the total paid for any one accident. Remember to keep in mind that these are the minimum limits for the state of Pennsylvania.

Property damage liability – if you are found at fault for damaging someone’s property during an accident this portion of your insurance would cover me the minimum for this portion of insurance is $5000.

We like to offer this information so that you have the opportunity to consider it before you sit down to speak with an agent who will underwrite your policy. Most people don’t know how much the minimum liability amount requirements are.    

Gallina and Sons serve Pittsburgh, PA and the surrounding areas in their auto, home, association, and commercial insurance needs. You can give us a call at 412-221-7010 to speak with one of our staffers. Quite possibly you may get a Gallina on the phone since it has been a family-owned and operated company since its inception.  We look forward to hearing from you today. Don’t hesitate to call.