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Auto Insurance in Saint Mary’s, PA

Whether it’s an accident or other vehicle damage, you need the protection that auto insurance can provide. With the appropriate coverage, Pacelli Insurance of Pennsylvania can protect drivers financially if they have a covered incident. We can help you find a policy to fit your specific needs. Reach out, and we can start the conversation.

How Does Auto Insurance Work?

Auto insurance can protect you financially if you have an accident with another driver or nonaccident damage to your vehicle. You want to buy car insurance with enough coverage to help with costs if you need it. In exchange for coverage, you will make premium payments to your insurer. If you need to file a claim for a covered incident, your insurer will issue a check to help pay for repairs. You may need to pay a deductible before your insurance coverage kicks in.

What Are the Types of Auto Insurance?

Auto insurance can give you a layer of financial protection in the event of an accident or covered incident. There are numerous types of coverage to choose from, including the following:

  • Collision insurance may cover damage to your vehicle sustained in an accident or collision with an object.
  • Comprehensive car insurance may pay for nonaccident damage, such as weather damage, fires, theft, vandalism or other incidents.
  • Liability car insurance might help pay for damage to others who weren’t in your vehicle if an accident was your fault.
    • Bodily injury liability coverage may pay for third-party medical bills and sometimes for death benefits.
    • Property damage liability coverage may pay for damage to the other person’s property.
  • Personal injury protection (PIP) coverage can help pay for your medical bills if you have an injury from an accident, regardless of who is at fault.
  • Uninsured/underinsured motorist insurance might help cover damages if someone who doesn’t have appropriate liability coverage caused your accident.

There may be other coverage options, such as roadside assistance or glass coverage. Call Pacelli Insurance today to talk about these coverage options.

Do I Need Auto Insurance?

Pennsylvania is a no-fault state, which means all drivers must have PIP coverage to help pay for injuries from a covered car accident, regardless of who is at fault. The state’s laws also require drivers to carry minimum liability coverage.

However, just because you meet Pennsylvania’s minimums on car insurance doesn’t mean you’re adequately insured. We can work with you to find a policy that meets your needs and satisfies the state’s coverage laws.

How Much Auto Insurance Do I Need?

Figuring out how much auto insurance you need is a common challenge. You need to consider your personal auto insurance needs and Pennsylvania’s coverage requirements. We can help you with a policy that can give you sufficient protection.

Get the Protection You Need

Pacelli Insurance helps Saint Marys’s residents with their auto coverage needs. Call 814-781-3888 to get started on your auto insurance policy.

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