There were 128,188 reported car crashes in Pennsylvania, and 270,231 in New Jersey. REMCO Insurance will make sure you’re covered in case of an accident.
On America’s roads, safety is always a concern—particularly in cities like Philadelphia where car accidents are fairly common. It’s difficult to get around the fact that Philadelphia is Pennsylvania’s sixth most populous city, but as a result it’s a simple task to find insurance to keep you safe. Accidents happen, and Auto insurance in Philadelphia is what covers our finances when they do.
Your automobile insurance policy can support you in the event of an auto accident, whether it’s your fault or someone else’s. Philadelphia drivers need more than just affordable auto insurance—they need comprehensive coverage that will protect adequately.
In short, yes. Pennsylvania and New Jersey require residents to have auto insurance, though there are differences in names and coverage. The options for auto insurance in Pennsylvania are “Limited Tort” and “Full Tort,” while New Jersey calls these “Verbal Threshold” and “Zero Threshold.” The former (limited tort and verbal threshold) both offer a limited amount of coverage compared to the latter (full tort and zero threshold), which are more like full coverage.
Bodily injury liability coverage
Property damage liability coverage
Medical benefits
First party benefits
Bodily injury liability coverage
Property damage liability coverage
Uninsured/underinsured motorist coverage
In the event of an accident or theft, auto insurance is a deal between you and the insurance provider that covers you financially. The insurance provider typically covers the damages as outlined in the contract in return for the consumer paying a monthly premium.
Let’s explore the factors to consider when putting together the right coverage for your car, and how to pick a reliable car insurance company that can manage your claims if an accident occurs to protect yourself without overpaying. The mass of information can be overwhelming at first, but going through it step by step makes it a lot more manageable.
There are different coverage options when it comes to your auto insurance. Usually, a basic auto insurance policy will include:
In case you cause an accident, this coverage provides protection if the victim decides to sue.
This pays for the damage you may cause to someone else’s vehicle or other property.
This insurance may pay for medical bills in the event of an accident. It is required in both Pennsylvania and New Jersey.
Provides coverage for damage done to your car not caused by a collision.
Protects you in the case of an accident with an uninsured or underinsured driver.
Apart from basic car insurance, one should also think about pursuing more comprehensive auto insurance if they can afford it. Better coverage can be vital during tough times.
Every motor vehicle that is driven or parked on Pennsylvania roads must be insured. Proof of insurance must be kept in the vehicle at all times and be present when:
The average cost of car insurance varies from state to state. States may mandate that car owners have:
Most states in the United States provide basic personal auto insurance. Auto Insurance in Philadelphia provides individually priced coverage that allows you to tailor coverage amounts to your particular needs and budget.
If you want high coverage, consider raising your liability limits and highlighting the following coverage:
Not all the options available will be equally relevant to you. Choose your auto insurance agency wisely and save money on your premium while remaining financially secure.
Policies are usually issued for six months or a year and are reversible. When it’s time to amend your policy and pay your fee, the insurance provider will give you a note. If you have also opted for health insurance, then all hardships due to car accidents can be easily managed.
Insurance discounts are available from a variety of commercial auto insurance brokers. However, many customers don’t know about these offers or even remember to ask about them. As a car insurance customer, being thorough will save you a lot of money over your policy duration. Discounts on car insurance can generally be divided into three categories:
The car insurance Philadelphia residents have access to offers substantial amounts of discounts for the driver. Having a clean driving record, with no speeding tickets, traffic violations, or injuries is normally needed to prove an individual to be a responsible driver. Auto insurance incentives are frequently available for factors such as the driver’s age and experience, becoming a college graduate, and being a homeowner.
If you’re a renter or a homeowner, you can typically save money by purchasing renters or homeowners’ policies from the same firm that handles your automobile insurance. There could also be discounts for paying your car insurance premiums in full rather than in monthly installments, setting up an automatic electronic payment through your checking account, and/or opting for paperless billing.
Many companies offer reduced rates specific to the vehicle that is being covered, in addition to driver and policy-related discounts. Vehicle security and safety features such as airbags, anti-lock braking, vehicle recovery systems, and anti-theft devices can help you save on car insurance as well.
Insurance discounts are available from a variety of commercial auto insurance brokers. However, many customers don’t know about these offers or even remember to ask about them. As a car insurance customer, being thorough will save you a lot of money over your policy duration. Discounts on car insurance can generally be divided into three categories:
The car insurance Philadelphia residents have access to offers substantial amounts of discounts for the driver. Having a clean driving record, with no speeding tickets, traffic violations, or injuries is normally needed to prove an individual to be a responsible driver. Auto insurance incentives are frequently available for factors such as the driver’s age and experience, becoming a college graduate, and being a homeowner.
If you’re a renter or a homeowner, you can typically save money by purchasing renters or homeowners’ policies from the same firm that handles your automobile insurance. There could also be discounts for paying your car insurance premiums in full rather than in monthly installments, setting up an automatic electronic payment through your checking account, and/or opting for paperless billing.
Many companies offer reduced rates specific to the vehicle that is being covered, in addition to driver and policy-related discounts. Vehicle security and safety features such as airbags, anti-lock braking, vehicle recovery systems, and anti-theft devices can help you save on car insurance as well.
Selecting the appropriate coverage is just the first step. If you want to increase the chances of your claims being covered, you must also select a good insurance provider. When choosing an auto insurer, look for the attributes mentioned below:
Your American Independent Car Insurance agent is your representative when it comes to seeking car insurance that suits your needs. Here are some things to think about as you prepare for the conversation:
You don’t always have to wait until your policy is up for renewal in order to change it. We know that life happens and insurance needs can change in the blink of an eye. Maybe you added your teenager’s car onto the policy or you decide you’d like extra glass coverage. No problem!
Of course, there are some exceptions. When moving across state lines, it’s likely that you may have to cancel your policy and begin a new one even if you remain with the same carrier. If you’re moving from New Jersey to Pennsylvania or vice versa, you may not necessarily have to switch coverage, but you will want to speak with your agent to make sure you have the best car insurance for the move.
There are several different elements that may influence your auto insurance. These include:
Gender and age, marital status, location, credit score, and profession all play a factor. If you live in the city, your rate will most likely be higher than someone who lives out in the country with less cars.
Newer cars may cost more to insure than their older counterparts. Small cars are generally considered less safe, so they may have a higher premium to cover for incidents that possibly cause more damage.
Your driving record is important to your insurance company, as it shows them your history and habits as a driver. If you have a bad driving record filled with accidents and tickets or have multiple DUIs, your premiums can skyrocket and remain high for years after the event.
Gap insurance is just what it sounds like. When you have auto insurance, your insurance will max out at a certain amount. The gap is the money that the insurance doesn’t cover that you must pay out of pocket—unless you have gap insurance. Gap insurance is optional coverage that typically isn’t included in basic auto insurance.
Remco Insurance Services proudly insure residents and businesses, ensuring every customer’s right coverage based on their needs and requirements. Different types of automobiles require various forms of insurance schemes. We help our clients select a policy that will provide the best protection for their vehicles.
Thank you for your interest in Remco Insurance Services, we proudly insure residents and businesses. Contact us today at 215.357.7878 to get started with superior service, coverage and the best rates.
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What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
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Remco Insurance Services proudly insure residents and businesses, ensuring every customer’s right coverage based on their needs and requirements
