| Frequently Asked Questions about PA Non Standard Auto Policies | ||
| Q: | If my car broke down and had to be towed, would my insurance cover it? | |
| A: | If you purchase optional towing coverage, auto insurance will reimburse towing costs up to a stated dollar amount. Many of the insurance policies we offer include this coverage. | |
| Q: | I’ve heard I should have 100/300/50 coverage. What does that mean? | |
| A: | The first two figures – 100 and 300 – represent “bodily injury” liability. It means that if you’re at fault in an accident, your policy will pay up to $100,000 per person but no more than $300,000 per accident for bodily injury that you cause to others. The third figure – 50 – is for property damage liability. This would pay up to $50,000 for damage you caused to property of others in an accident… | |
| Q: | I have tickets and accidents on my driving record. How long will these incidents impact my premium? | |
| A: | Depending on the insurance company, accidents and certain traffic violations and tickets increase your auto insurance costs for 3 to 5 years after the incidents happened. | |
| Q: | What is an SR-22 (sometimes called SR1P)? | |
| A: | SR-22 is a form showing that you have auto insurance. Your state may require you to file this form if you’ve been identified as a high-risk driver. Some examples of high risks are drunk or reckless driving, getting a lot of traffic tickets in a short period, and causing an accident while uninsured. Back . | |
| Q: | What auto insurance payment options are available?? | |
| A: | Monthly, quarterly, semiannual and annual payment options are common choices. If you choose to make more than one payment, you may be charged a minimal payment processing fee for each additional payment. | |
| Q: | My teenager just received their learner’s permit. Do I need to change my auto policy? | |
| A: | Some auto insurers add teen drivers only when they get a valid driver’s license. Other companies want you to add a teen driver immediately. We can help find out which applies to you. | |
| Q: | My friend caused an accident while driving my car. Whose insurance will cover this? | |
| A: | In many instances, your insurance company would pay damages your friend caused. If you live in a state where no-fault insurance is provided, your friend’s insurance company would cover his or her personal injuries. | |
| Q: | When I came out of the store, my parked car was damaged. Am I covered? | |
| A: | Your insurance agent can answer most of your questions. Contact us with your questions about auto insurance. | |
| Q: | I was in an accident that wasn’t my fault. Should I still report it to my insurance company ? | |
| A: | Yes. Even if you’re not at fault, an insurance company needs to conduct an investigation so it can protect your interests in case the accident causes legal problems later. Back . | |
| Q: | How do I find out more about my auto insurance policy? | |
| A: | Your insurance agent can answer most of your questions. Contact us with questions you have about your auto insurance policy | |