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.