your review

When you purchase you auto policy, you have to choose between Full Tort and Limited Tort. With your current selection, you have limited and in most cases waived your right to collect for pain and suffering. That means if you’re injured in an auto accident, you may not be able to sue the person that hit you, or even your own insurance carrier.

Bodily Injury coverage pays for injuries you cause to other people. In Pennsylvania, you are legally only required to carry $15,000 of Bodily Injury coverage. Even a small fender bender could easily produce medical bills far exceeding this minimum requirement. Fortunately, it may be more affordable than you think to increase your coverage and avoid having to pay out of pocket.

Bodily Injury coverage pays for injuries you cause to other people. With $25,000, you meet PA’s minimum insurance requirements to drive legally, however that may not be enough coverage to pay for someone’s injuries if you’re involved in an accident. Fortunately, it may be more affordable than you think to increase your coverage and avoid having to pay out of pocket.

Bodily Injury coverage pays for injuries you cause to other people. Your current limits should be adequate to pay for small claims, however that may not be enough coverage to pay for injuries in a more serious accident. $50,000 just doesn’t go very far when dealing with medical bills. Fortunately, it may be more affordable than you think to increase your coverage and avoid having to pay out of pocket.

Bodily Injury coverage pays for injuries you cause to other people. Your current limits should be adequate to pay for small claims, however that may not be enough coverage to pay for injuries in a more serious accident. $100,000 just doesn’t go as far as it once did when dealing with medical bills. Fortunately, it may be more affordable than you think to increase your coverage and avoid having to pay out of pocket.

Did you know that you are responsible for the buried service/utility lines on your property? But also, home insurance doesn’t cover those lines unless you add coverage. So if your sewer line goes bad, you’ll have to pay a plumber out of pocket to dig up and replace it.

Not all home insurance is created equal. Some carriers, including yours, have started to offer coverage for hidden water leaks that cause damage over time. Traditionally, this type of claim is excluded. But fortunately this coverage is now available for you to add to your policy.

When you have a claim, you expect the insurance company to put your home back to the condition it was pre-claim. But your policy says they only have to pay to repair the damage. This means if your siding or roofing is damaged, the insurance carrier will only repair what is damaged. And if they can’t match the color, you may be left with an eye-sore. Fortunately there is a remedy to this with the Matching Roof and Siding endorsement.

At first glance, that may sound like a good thing. Cash is good, right? But Actual Cash Value is calculated by depreciating the value of your home based on its age. This means that if you have a fire that deals $100,000 of damage, the insurance company will only pay for a portion of the damage – not the full replacement. This could leave you with a $30,000 (or more) gap in coverage – again depending on the age of your home and its components.

Certain items such as jewelry, furs, firearms, antiques, artwork and other valuable items may not be covered or may not be covered to their full value. To ensure a proper payout in you have a claim, consider adding a Personal Articles or Valuable Articles Floater.

Umbrella coverage is liability for a truly catastrophic event. Your underlying policies will have a certain amount of liability. If those policies don’t provide enough coverage, then your umbrella picks up where the other policies leave off to make sure you don’t have to pay out of pocket. For Instance: Most car insurance carriers will allow you to purchase up to $500,000 of liability. If you’re in a large claim (let’s say multiple vehicles involved), then $500,000 may not be enough. If that’s the case, then an umbrella would kick in and pay the rest of the claim up to the umbrella limit.