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.

What Type of Auto Insurance Do I Need?

Owning a car is a big responsibility. In order to make sure that you are safe and responsible, those that are in the Pittsburgh, PA will need to have the right type and level of auto insurance coverage. There are several types of auto insurance coverage that you may need to have based on your situation. 

Liability Coverage

When you are driving a car in Pennsylvania, you will be required by law to carry a minimum level of liability insurance. You will need to have minimum property damage insurance coverage of at least $5,000 per incident as well as bodily injury coverage of at least $15,000 per person with a minimum cap of at least $30,000 per incident. If you do not carry at least these levels of coverage, you will violate state laws and could face stiff penalties if you are caught.

Collision and Comprehensive Coverage

The state minimum liability insurance coverage levels will only protect the other driver if you are at fault in an accident. If you have an expensive car that would be hard to replace, or if you have an auto loan, you will also want to have collision and comprehensive coverage. This type of coverage will give you a more blanket level of protection and will ensure you are covered for a variety of losses including theft or vandalism. 

If you own a car in the Pittsburgh, PA area, you should contact Gallina and Sons to discuss your auto insurance needs further. The team at Gallina and Sons can help anyone to understand better the type of auto insurance that they need to have. Our company can then get you into a reliable policy that provides you with the right level and type of coverage. 

Common Misconceptions About Auto Insurance

At Gallina and Sons, we have worked with people who have some pretty common misconceptions about car insurance. If you live in Pittsburgh, PA or the surrounding area and have any of the following ideas, we are here to bust them.

Insuring a Red Car Costs More

Too many people have asked us over the years if their red car is going to cost more to insure. Color has nothing to do with your policy premiums. Your policy will be affected more by things like your driving record, credit history, and more.

You Always Get The Best Policy

Many people believe that an agent is going to find the best possible insurance policy for them, no matter what. That isn’t always the case. While an agent will get you the best policy their company offers, they won’t suggest one outside of their employer. There’s a strong fact that you might get a better policy option from a different company.

Gender Affects Your Coverage

The idea that men have higher premiums than women is a silly misconception that is more like a bad sitcom joke than anything. Insurance companies base their premiums on a driver’s history and the quality of their vehicle. The gender of the driver has almost nothing to do with it.

Lapsed Coverage Saves You Money

Some people try to save a little money by letting their insurance policy lapse for a few months. This mistake is a huge one. That’s because you can not only get severely penalized if you’re caught without insurance but will end up paying higher premiums because of your lapse.

Avoid These Misconceptions

So if you live in Pittsburgh, PA or the surrounding areas and suffer from these misconceptions, please contact us at Gallina and Sons. We can help you better understand your insurance policies and ensure that you don’t experience any complications due to a misunderstanding.

Is Auto Insurance Required in Pennsylvania?

If you’re an adult living in the Pittsburgh, PA area, chances are you drive a car. With each state and territory having their laws governing auto insurance, it’s no wonder there’s confusion across the United States over what is and isn’t required. Fortunately, Gallina and Sons Insurance is here to help. Currently, auto insurance is required under law for all Pennsylvania drivers. That said, the law itself is a little more complicated when it comes to buying auto insurance and making sure you have what you need. Here’s what you need to know:

Pennsylvania Uses ‘Choice No Fault’ Regulations

Most people are familiar with either fault (where the driver deemed to be liable for the accident pays for the damages and medical costs through their insurance or personal funds) or no-fault laws. (where both drivers involved have their insurance companies pay for the damages and medical costs) However, Pennsylvania is pretty unique in that it has "choice no-fault" laws, where drivers can opt in or out of no-fault auto insurance.

However, it is essential to know that this choice must be made at the time that auto insurance is purchased, and the choice cannot be changed in the event of an accident. 

There Are Minimum Coverage Requirements

Like most states, Pennsylvania does have a minimum coverage limit for drivers. While the numbers are subject to change, they are currently at $15,000 per person or $30,000 per accident when it comes to bodily injury. With medical benefits, the minimum is at $5,000 per accident. Pennsylvania also can impose hefty fines on people who are caught driving without proper auto insurance (especially if they are involved in an accident), so it is essential to make sure you have a great insurance policy that both fits your budget and adheres to state laws. 

If you live in the Pittsburgh, PA area, contact Gallina and Sons to learn more about how to obtain a quote and a policy. 

Are You Covered Fully for a Long Distance Road Trip?

It may be about time for that road trip of a lifetime. The weather is about to be nice, and the upcoming months mean that nature will be in full bloom. As you plan the details of your trip such as where to stay, key points to see, and the best food places along the way, don’t forget to update your auto insurance before you leave. Gallina and Sons, serving residents in the Bridgeville, PA area, would love to help you make sure that auto insurance is not a worry for you as you make your trip. 

The last thing you want to be thinking about on your road trip is your auto insurance coverage. That is why it is essential to learn all you can about the limitations of your coverage before you leave. For example, if you only have the minimum of coverage for your state, you may discover it is not enough if you get in an accident out of state. This is not always the case, but it is worth checking into before you leave and comparing it to the states you plan to drive through. Also, consider who else may be driving, it is common to use more than one driver on a long trip, but it is key to make sure each driver is covered. 

Advanced preparation is key to making sure you are fully covered in the event of the inevitable. This can save you from financial strains and future burdens.

Contact us at Gallina and Sons to discuss your next road trip and to make sure you are fully covered from out of state issues; we are proudly located in Bridgeville, PA and serve the surrounding areas. 

How Driving Citations can Change your Auto Insurance Policy

When renewing your auto insurance policy, or starting a new policy, typically the insurance company will look at several factors. They may consider what type of car you are driving, how far you usually drive your car each day, or how many people will be driving the car in the household. Did you know that a car insurance policy is also determined by any driving citations you may have incurred? 

Any ticket for a moving violation can significantly impact your car insurance policy and the premium that you will pay. Although each car insurance company is different, typically moving violations are separated into three distinct categories. A small impact ticket that will not alter your vehicle insurance drastically could be something like having a tail light out while driving. 

A more serious moving citation might be a speeding ticket for going ten mph over the speed limit. This can moderately affect the premiums you pay for car insurance. 

A serious moving violation may be something like DUI conviction. This can have very grave consequences and can even cancel your coverage depending on the situation in which you were caught.

Each car insurance is different and will have different thresholds to consider for moving violations. The severity and the number of tickets in a given amount of time will also impact the way your auto insurance changes.

If you have questions about auto insurance policies, be sure to reach out to Gallina and Sons proudly serving Bridgeville, PA. At Gallina and Sons, we understand that auto insurance can be complicated. If you are a resident of Bridgeville, PA, please reach out to us. We are available to help answer any questions you may have and can help get you started on a new auto insurance policy today. If you are looking for a quote, try our online rating tool on auto insurance.