What auto insurance is required in Pittsburgh, PA?

Gallina and Sons know the importance of protection before getting behind the wheel.

Pennsylvania drivers are required to carry specific auto insurance requirements. Although the laws are constantly evolving, Gallina and Sons are experienced in navigating these mandates. Serving Pittsburgh, PA, their agents can ensure you maintain the proper coverage.

Although minimum requirements are rarely enough, Gallina and Sons review the three items that every Pennsylvania auto insurance policy must include.

Bodily injury liability

Liability coverage is the basis for most policies. Protection against bodily injury is the first part of this protection. If another motorist is injured due to an accident, this will reimburse you for those expenses. In Pennsylvania, drivers must have at least $15,000 for any single person. A combined total of $30,000 is needed per accident for all people.

Property damage liability

This form of liability applies to a person’s property. While this most commonly includes vehicular damage, it can also cover other structures, like buildings and mailboxes. Motorists in the state are mandated to carry $5,000 per accident for property damage liability. While taken together, these liability coverages are referred to as "15/30/5."

Personal injury protection

Pennsylvania is classified as a "no-fault" state. Because of this distinction, auto insurance policies must also have first-party medical benefits coverage of at least $5,000. Also known as Personal Injury Protection (PIP), this could re-pay medical bills, lost wages, and other expenses that are incurred due to an accident. Yet, unlike liability, PIP protects you individually and not other drivers.

Contact an agent serving Pittsburgh, PA.

Gallina and Sons understand that auto insurance isn’t just the law. It’s about keeping you, your family, and other drivers safe on the roadways. Serving Pittsburgh, PA, our agency can help ensure you’re protected. Schedule an appointment today.

Creating and storing a home inventory

How familiar are you with all the things that you own? If you needed to, could you make a list of everything in your home without looking at it?  Imagine trying to get that list together when none of it exists anymore due to a catastrophic loss. Would you forget whole categories of things? Could be. At Gallina and Sons of the Pittsburgh, PA area, we are independent insurance agents who have been providing personalized service for more than 70 years. 

If you need to file a claim, having an inventory ready will make the claim process much easier and less stressful. Your chances of having a better result from the claim will be increased if you do the inventory in advance when all your possessions are where they should be. 

Get your pad and pen and pick a room to start. Bring your camera or phone along as well. Photos are a big help. You also want to gather any receipts or sales slips that you have. For costly items, having an appraisal is a good idea. 

Write down everything in the room with as much detail as possible. For electronics,  provide model, brand, and serial numbers. Open drawers and closets. Go from one room to another and don’t forget the attic and basement if you have them. Take pictures of each room from a variety of angles. 

When it is complete you need to find a safe place to store it. Off property is the ideal location, but if it must be in the home, get a water and fire resistance holder. You may also want to make a copy to store in the cloud, you want it to survive anything that might destroy your home. 

Contact Gallina and Sons of the Pittsburgh, PA area to provide the home insurance review or policy that you need.

How Much Commercial Insurance Do I Need?

Every business faces unique risks. Commercial insurance comes to your rescue when faced with different risks, from employee injuries, liability claims to errors in professional services. But how much insurance do you need? The reality is that there is no definite answer to help you determine the amount of commercial insurance sufficient for your business. However, as you will find from Gallina and Sons of Pittsburgh, PA, there are tips and tricks you can follow to see the amount of commercial insurance you need.

How much commercial insurance is sufficient for my business?

How much commercial insurance is adequate — not too low and not too much. It depends on the nature and size of your business. Here is a guide to help you determine the amount of business insurance needed:

  • Property insurance: Before drawing the check, ask yourself. What’s the value of my business assets? Ideally, the amount of commercial insurance should be equivalent to the cost of replacing your assets. Also, bear in mind your lender’s requirements if your assets are mortgage financed.
  • Worker’s comp insurance: The amount of worker’s comp insurance needed largely depends on the size of the workforce. The more employees, the higher the amount of coverage required.  
  • Liability coverage: This is usually tricky. However, deciding the amount required starts by evaluating the risk profile of your business. But before investing in liability insurance, you should ensure that your workplace safety measures follow best practices to reduce the number of claims. Also, establish the existence of any state minimums — you shouldn’t stick to these. They just act as a foundation on which to build on your coverage.

Figuring the amount of insurance needed for a business needs the help of an experienced insurance agent. So if you are in Pittsburgh, PA and its environs, please partner with Gallina and Sons for all your commercial insurance needs.

Condo Association Insurance Protects Your Investment

Condo insurance is something that all condo owners need to protect themselves. This policy type will ensure that your investment doesn’t go up in smoke if disaster strikes. At Gallina and Sons, we can teach Pittsburgh, PA, about the different options available for their needs. Here’s what you need to know about these policies.

How Condo Insurance Protects You

Typically, your condo owner’s association possesses what is known as a master policy. This helps to cover things like the structure of the condo, the built-in fixtures, and much more. However, this policy does not cover your belongings, which is why an individual condo insurance policy is so important. 

These types of policies are known as HO-6 insurance and are designed to protect what you own. In a sense, they’re similar to a traditional homeowner’s insurance policy. However, they focus on condo owners and cover their unique needs. A good condo policy will pay for:

  • Replacing personal belongings, such as your clothes or furniture 
  • Liability situations, such as injuries to you, your family, or those inside your home 
  • Addition Living Expenses (ALE) you might incur while waiting for condo repairs 
  • Some types of perils, such as fires, extreme weather, and theft 

As you might expect, your condo policy may not cover things like earthquakes and floods. That said, you may find alternative coverage plans that do. These extra coverage options typically get added to your current policy and reflect a unique level of protection you can’t get otherwise. 

Coverage is Available for You 

At Gallina and Sons, we can set up policies for Pittsburgh, PA, residents that will help ensure a higher quality of life. Talk to us today to learn more about your options and learn more about the diverse coverage range available for you.

Gallina and Sons discusses commercial insurance in Pittsburgh, PA

Gallina and Sons understand your small business is "big" to you.

That’s why the agency wants to help make sure your investment is protected. Serving, Pittsburgh PA, their agents explain what commercial insurance is and why it’s so critical for your growing business.

What is commercial insurance?

In short, commercial insurance protects your business. Also called business insurance, these plans protect companies, corporations, and entities against lawsuits, vandalism, theft, injury, damage, and other unexpected events. While at work, any employees are included as well. Commercial insurance minimizes risk and safeguards against potentially costly incidents.

What’s included in commercial insurance?

Although every plan is unique, most commercial insurance policies have similar features. Any coverage has premiums, which is the amount a business pays for the policy. Several factors influence this price, including work performed, amount of employees, and years of service. When you file a claim, you will also pay a deductible. These too can vary. Any plan will spell out limits, which cap payouts after a certain amount. This likely also contains other exclusions and restrictions.

What types of commercial insurance are available?

Any plan can be customized to fit your needs. However, standard commercial insurance policies cover three primary areas. Property insurance protects a physical location of a business and any equipment. This extends to tools, inventory, and office furniture. Liability coverage shields against bodily injury, slander, libel, and other damages. Lastly, income insurance reimburses your business if an incident causes any loss of revenue. A professional agent will be able to add additional options to meet your unique needs.

Contact an agent serving Pittsburgh, PA

Gallina and Sons can find the ideal commercial insurance policy to protect your business and its interests. Call to set up an appointment today.

Condo Association Insurance FAQs

If you own a condo, you need to learn a thing or two about condo insurance. Since condo insurance confuses many, Gallina and Sons of Pittsburgh, PA has prepared a FAQs section to answer commonly asked questions about condo insurance.

Isn’t my condo covered by condo owners association (COA) policy?

While it’s true your condo has COA coverage; this insurance plan protects the exterior of your condo and liabilities occurring in common areas like the lobby and swimming pool. For any liabilities or damages happening inside your condo, that’s where condo insurance comes into play.

What does condo insurance cover?

Investing in condo insurance is a worthwhile pursuit because this coverage protects you in many areas. Condo insurance covers:

  • The interior of your condo
  • Additional living expenses when a covered risk damages your condo
  • You against liability claims
  • Your assets, including furniture, clothing, and electronics

Does condo insurance cover personal injury?

If you have condo liability coverage, it covers bodily injuries inflicted by you or your family members to other people. However, if you or your family members incur personal injuries, condo insurance doesn’t cover these.

What else isn’t covered by my condo insurance?

While condo insurance is pivotal in protecting you against various perils, it has exclusions. Typical condo insurance doesn’t cover damage from:

  • Floods
  • Earthquakes
  • Wind and hurricane
  • Sewer backup

The good news is that you can purchase “riders” to get protection for the above risks. To note also is that for high-value items like jewelry, you get limited protection from condo insurance. However, you can buy an endorsement to boost your coverage.

Where can I purchase condo insurance?

Ready to invest in condo insurance? Would you please look no further than Gallina and Sons for condo insurance if you are in Pittsburgh, PA, and the nearby areas?

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. 

Who Needs Commercial Insurance?

If you are a business owner, having commercial insurance is one of the key aspects of running your business. It does not matter whether high risks occur in your business or not, having commercial insurance is important. If you are thinking of getting commercial insurance but are still not sure if it is necessary, Gallina and Sons serving clients in Pittsburgh, PA and the Pittsburgh area prepared a list of those who will definitely benefit from this type of insurance.

Business Owners Who Own Properties

If you have commercial or personal property, you will definitely benefit from commercial insurance. A standard commercial insurance policy usually covers a commercial building itself, as well as all the items and belongings stored inside. Moreover, it is important to know that many mortgage lenders will not approve you for a loan if you do not carry proper commercial insurance.

Those With Liability Concerns

Some businesses and business owners are more prone to liability lawsuits than others. Therefore, having commercial insurance for them is a must. Most commercial insurance policies provide at least some level of liability protection. 

Business Owners Who Hire At Least One Employee

In the state of Pennsylvania, it is mandatory to carry worker’s compensation coverage. The purpose of this coverage is to protect business owners and their employees from financial losses if an employee is injured on the job. It also protects businesses from potential lawsuits. 

Gallina And Sons – Get Commercial Insurance To Protect Your Business

If you run your business in Pittsburgh, PA or Pittsburgh area, you should consider getting commercial insurance to protect it. Contact Gallina and Sons – an insurance company that will help protect your business, you as a business owner, and employees who work for you. Feel free to call us if you have any questions or need more information.  

Why you may want to add more liability insurance coverage

Owning a home comes with a certain amount of risk. That is why having not only the right home insurance but the right amount of liability coverage is vital to your financial security. Residents of Pittsburgh, PA can look to Gallina and Sons when they have home insurance questions or needs. 

Liability coverage protects you and your assets. If someone is injured at your home or by a member of your family, they may seek to have their medical bills paid, reparations for damages, and may sue for pain and suffering. This requires that you get legal representation. All of this can get expensive and you need to have enough liability insurance to feel that you are adequately covered. 

Some things put you at a greater risk of a large judgment against you and there may be liability risks at your home you aren’t even aware of. 

Your net worth has increased

The more you are worth, the more at risk you are of being sued. Chances are, your net worth has increased significantly from the time you first bought your home insurance policy and today. Keep that in mind when deciding on how much liability coverage you feel comfortable with. 

You have a dog

Your dog may be a member of your family, but depending on the breed, it may be a huge risk factor. Some breeds are considered so risky that insurance carriers won’t insure them. Let your insurance agent know that you own a dog and make sure your breed is covered. 

You have a pool

A pool is a great place to hang out in the warm weather, but it is also a risk you must consider when choosing your liability coverage. 

Residents of Pittsburgh, PA can count on Gallina and Sons for all their home insurance requirements. 

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.