Collision & Comprehensive Auto Insurance Coverage
Two important types of coverage you may have on your Pennsylvania auto insurance policy are collision and comprehensive coverage.
These types of coverage can be very confusing. Many people see “comprehensive insurance” on their car insurance policy and think it means that their coverage is comprehensive. In other words, they assume they have “full coverage.”
For most people, that isn’t the case. In reality, comprehensive coverage pays for damages caused by “acts of God” – lightning strikes, hitting a deer, a tree falling, etc. It goes hand-in-hand with your collision insurance, which pays for damages to your vehicle if you are hit by another car, your car overturns, you back into a pole, etc. Your insurance company will cover the damages after you pay the deductible you chose.
Remember: Comprehensive insurance does not mean you are “fully” covered.
Required minimum coverage under Pennsylvania law:
- Not required
- Usually required by most banks that hold the title to your vehicle when you have an outstanding loan
Our law firm’s recommendation:
- If you hold the title to your car, you may consider dropping collision and/or comprehensive coverage on older cars worth less than $1,000.
Get Legal Help With a No Obligation, Free Case Review
Having adequate Pennsylvania auto insurance coverage is important to protect you if you’re ever in an accident, but most people never think they’ll actually be injured in one. If you were seriously hurt in a collision, you’re probably under stress and confused. Both insurance companies may be contacting you, asking you to sign papers. What should you do? What shouldn’t you do? How do you know if you’re getting a fair settlement?
Trust Edgar Snyder & Associates to help you – just like we’ve done for thousands of accident victims since 1982. We’re ready to take care of the hassles, give you peace of mind, and help you get the money you need to pay your medical bills and make up for missed work time.
The first step is to call 1-866-9-4EDGAR (1-866-943-3427), or fill out the form at the top right of this webpage for a free case review. You tell us the details about the accident, and we’ll tell you if we think you have a car accident case. There’s no obligation to use our services, so you have nothing to lose. Plus, you can get answers to your car accident legal questions.
Contact us today – before evidence disappears, and check more links to the left of this page for more information on the different types of auto insurance coverage, including our recommendations to protect your legal rights.