Introducing Our YouTube Guide to Pennsylvania Auto Insurance

PA Guide to Auto Insurance

Our staff recently created a Guide to Pennsylvania Auto Insurance playlist on YouTube. The videos on the playlist feature one of our partners, Attorney Michael Rosenzweig, as he talks about the inexpensive yet most valuable ways you can protect yourself with your auto insurance policies. The coverage options he discusses aren't included in Pennsylvania's minimum required coverage, which allows insurance companies to sell you the lowest priced coverage. But as Attorney Rosenzweig puts it, if you're injured in an accident, it's more expensive if you don't have some of these coverage options included on your policy.

In the video playlist, Attorney Rosenzweig clarifies some insurance terminology and shows that you don't need to spend a fortune to have the best auto insurance coverage. The videos will explain the risk of having limited tort instead of full tort, and you'll learn what "stacking" is and why it's so valuable despite its low cost. And did you know that 1 in 7 motorists drive without insurance even though it's illegal? Attorney Rosenzweig will explain why you can't afford to reject underinsured and uninsured motorist coverage.

I also invite you to download our free e-book, How to Choose Pennsylvania Auto Insurance. All auto insurance coverage options are explained in more detail, and the e-book compares the minimum coverage required by Pennsylvania law to our law firm's coverage recommendations. We also explain the discounts available without sacrificing good coverage. We encourage you to share the videos and the e-book with family and friends—you may be surprised by how much coverage you can have for only a little bit more than you're paying for your policy now.

Below, you can watch all three videos in the guide.

View Transcript

Make sure you protect yourself if they don't have insurance and buy uninsured and underinsured motorist coverage. It's the only thing that's going to protect you.

One of the only coverages on your policy that actually provides you a benefit and in fact it provides you the best benefit is the uninsured and underinsured motorist coverage. The uninsured and underinsured motorist coverage is that coverage you buy on your policy that pays you when the other person doesn't have enough insurance. Probably 50% of my clients don't have the uninsured and underinsured motorist coverage they have because their agent sold them a quote "cheap policy." Interestingly most clients think that full coverage means they have good coverage. What really full coverage means is that if you wrecked your car the insurance company will pay it for the damage to your car. In reality it's anyone who has a car loan needs full coverage so that their bank will be paid off the amount of the damage. That's all full coverage means. The reason you need uninsured motorist coverage and underinsured motorist coverage is because this is the coverage that actually protects you on your policy. The amount it costs you to buy coverage to protect others who are gonna sue you is far more expensive than the cost of coverage that protects you when someone hits you. In other words the uninsured and underinsured motorist coverage is very inexpensive.