Do you live in or near Reading, PA? Are you a licensed driver? Did you know it is illegal to drive without auto insurance? Berks County Insurance can provide the insurance you need.
Driving without insurance is required in 48 out of the 50 states. Only Virginia and New Hampshire do not require it.
The primary purpose of auto insurance is to protect cars, trucks, motorcycles, and other vehicles. It provides financial protection against bodily injury or physical damage from a collision and against any liability you could face from that collision.
It also provides additional financial protection against vehicle theft and any damage to the vehicle sustained due to weather, natural disaster, keying, or damage sustained by hitting stationary objects.
The types of car insurance are:
- Liability is a requirement in 48 states. Drivers need at least the minimum liability coverage defined by state law. Liability coverage consists of bodily injury liability that helps pay for costs related to another individual’s injuries if you are at fault. Property damage liability helps pay for any damage you cause to another individual’s property while driving.
- Collision coverage is usually optional. However, it could be required by the vehicle’s lender or leaseholder. If you hit something, such as a tree or fence, collision coverage helps pay for the replacement or repair of your car.
- Comprehensive covers damage resulting from theft, hail, fire, or vandalism. If a covered peril damages your vehicle, comprehensive coverage pays to replace or repair your vehicle.
- Uninsured and underinsured coverage helps pay for medical bills or repairs to your vehicle. If you are hit by a driver that does not have adequate coverage or no coverage at all, this coverage helps.
Let Berks County Insurance get you started on your way to protecting your vehicle. Contact them today.