Coverage for Wormleysburg Drivers
Motorists who reside in Wormleysburg and Cumberland County must maintain financial responsibility for vehicles. The state of Pennsylvania mandates minimum coverage limits in the areas of bodily injury, medical benefits and property damage. HUB International brokers help drivers find policies that meet or exceed these levels of coverage and can also provide additional benefits for more protection behind the wheel. Discover the basic requirements for car insurance in Wormleysburg and custom coverage options.
Financial Responsibility In Pennsylvania
Collisions can be costly in terms of liability for injuries caused, medical treatment and repairing property damage. For this reason, Pennsylvania mandates several financial maintenance requirements for all drivers. Residents of the Harrisburg-Carlisle metropolitan area should seek out policies that meet or exceed the following limits:
- Bodily injury: The state requires that every driver have coverage sufficient for $15,000 in costs associated with injuries caused to one person or up to $30,000 per accident. Many policyholders prefer higher limits for more liability protection in the event of multi-car collisions.
- Medical benefits: Car insurance in Wormleysburg should also have a limit of $5,000 or more for medical benefits coverage. Additional coverage is also available for this portion of a policy.
- Property damage: An additional $5,000 limit for property damage liability is also required for Pennsylvania drivers. This limit can also be raised so that you can enjoy greater peace of mind when behind the wheel.
Choose Comprehensive Auto Coverage
Many drivers prefer to have more complete auto coverage that goes above and beyond minimum state requirements. In addition to higher liability limits, it is also possible to get policies that assess and cover the value of a car based on alternative calculations or that provide coverage for emergency services or equipment that is otherwise excluded from Wormleysburg car insurance. Find out more about several of the most popular policy options for motorists in Cumberland County:
- Agreed value: When a policyholder and insurer agree to cover a vehicle with upgraded performance features for a set value, this is an agreed value policy. In the event that the vehicle is totaled, this policy will pay out at this amount regardless of depreciation and other factors.
- Replacement value: A replacement value policy does not factor in depreciation in a payout for the cost of replacing a particular vehicle make and model. This option can be useful for covering more of the price of replacing late-model stock vehicles.
- Actual cash value: Most car insurance policies cover actual cash value. This calculation factors in depreciation and the payout may not be sufficient to completely cover the cost of replacing a vehicle.
- Electronic equipment: Auto insurance excludes accessories such as electronic audio and visual equipment. Additional coverage for electronics can be helpful if it is necessary to replace components or systems.
- Full glass: Full glass coverage can make it possible to replace the windshield or other damaged automotive windows without paying a deductible. Replace glass more affordably with this additional policy benefit.
These are just a few automotive policy types and options that are available through HUB International for car insurance in Wormleysburg. If you cross the M. Harvey Taylor Memorial Bridge or Market Street Bridge over to Harrisburg or drive elsewhere, you may also want to explore additional coverage options for towing, labor and other types of roadside assistance. HUB brokers help customers fully customize auto insurance policies to suit their vehicles and driving habits.