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.