Auto Insurance – Car Insurance
America has had a love affair with automobiles ever since the first ones came off the assembly line and Henry Ford told us “Any customer can have a car painted any color that he wants, so long as it is black.”
Nowadays, we tend to consider our car color more than our car insurance coverage. Most of us think of car insurance as something we are required to purchase. But, most of us really do want to protect our family and personal belongings. Here at b.i.g., we want to secure your world. We want you have the required coverage at a great price, but we also take the extra time to make sure that you understand the optional car insurance coverages that can make all the difference in protecting you, your family and your assets in the event of a serious accident. Whether you’re looking for coverage for your very first vehicle, or for classic car insurance, b.i.g. is here to help.
Read our examples below or visit our blog to see how different coverages can affect your life.
Required Auto Insurance Coverages include:
- • Bodily Injury Liability – Provides coverage for injuries to others or lawsuits as a result of an accident caused by you or your family. Pennsylvania requires minimum limits of $15,000/per person and $30,000 per accident. However, $15,000 may not even cover one day’s hospital stay. The cost to increase this limit to $250,000/per person and $500,000 per accident may be as little as $45 per year, inexpensive peace of mind to cover large hospital bills
• Property Damage – Provides coverage for damage to property of others caused by you or your family. The state requires a minimum limit of $5,000. However, most cars on the road (even used cars) are valued at well over $5,000. The cost to increase this limit to $250,000 may be as little as $14 per year, which should be more than sufficient (if you don’t drive in Beverly Hills!)
• Medical Expense –Provides coverage for medical expenses to you or other passengers in your vehicle. The state requires a minimum of $5,000. However, $5,000 may not even cover the expenses of a broken arm. Friends and family in your car deserve better protection, don’t you agree? Even those who don’t have health insurance are taken care of in the event of an accident — if you purchase the right amount of this coverage.
Optional Car Insurance Coverages include:
- • Extraordinary Medical Expense – provides additional medical from $100,000 to $1,000,000
• Income Loss – covers wage losses in the event you are unable to work
• Accidental Death – provides a death benefit to survivors in the event of your death
• Funeral Benefits – provides coverage to pay for your funeral expenses
• Uninsured and Underinsured Motorist – pays for Bodily Injury as a result of collision with an uninsured driver or underinsured driver
• Comprehensive – provides coverage for your car for damages other than collision
• Collision – provides coverage for your car from damage caused by a collision
• Road Service – provides coverage for towing and roadside services
• Transportation Expense – provides coverage for a rental car in the event your car is disabled due to an accident
Someone who takes time to educate you about what auto coverage can do to help you in the event of a serious accident. That’s b.i.g!