Pennsylvania Auto Insurance Information
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have PA auto insurance coverage you can count on.
Let one of Lower Bucks Insurance Associates experienced Pennsylvania auto
insurance policy specialists explain the different Liability limits,
Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist,
Medical coverages, and deductibles that are available for you to choose from.
We offer cheaper Pennsylvania auto insurance policies from a leader in the
insurance industry.
Learn more about Pennsylvania Auto
Insurance policy coverage options below!
Click on the link below to fill out a secure quote request form for a Bucks
County Pennsylvania Auto Insurance policy that will provide excellent auto
insurance coverage at an affordable cost. Or you can speak with our Bristol,
Pennsylvania Auto Insurance agent specialist at (215) 788-3100 to discuss
the policy features in more detail.
Covers damage caused to the owners auto from a collision caused by another auto or other
object. The deductible is the amount you choose to pay upfront (if any) before the Pennsylvania
auto insurance policy pays. The higher the deductible chosen the lower the collision coverage
cost within the auto insurance policy.
Pennsylvania Auto Insurance Policy FAQ
We are a Bristol, PA insurance agency, offering affordable Pennsylvania auto insurance policy
premiums in the following towns, cities and counties in and around Bucks County, Pennsylvania:
Bridgewater, Croydon, Bensalem, Nottingham, Edgely, Newportville, West Bristol, Strafford, Devon,
Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown,
Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading, Bethlehem, Pottstown,
Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge, Malvern, Green Tree,
Paoli, Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester Springs, Audubon, Eagleville,
Evansburg, Worcester, Blue Bell, Center Square, Fort Washington, Doylestown, Chalfort,
Quakertown, Perkasie, Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler,
Lower Gwynedd, Washington Crossing, New Hope, Richboro, Feasterville, Southampton,
Langhorne, Holland, Newtown, Yardley, Philadelphia, Emmanus, Hellertown, Whitehall, Cetronia,
East Texas, Lanark, Dorneyville, Wagnersville, Catasauqua, Walbert, Farmersville, Stiles,
Friedensville, Mechanicsville, Hanover, North Catasauqua, Stroudsburg, King of Prussia, Springfield,
Woodlyn, Chester, Norwood, Ridley Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill,
Rutledge, Yeadon, Upper Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan,
Primos, Pilgrim Gardens, Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood,
Milbourne, Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn
Valley, Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph
Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport, Norristown,
Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North Hills, West
Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside, Wyncote, Roslyn,
Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown, Hollywood, Rockledge, Somerton,
Bustleton, Torresdale, Holmesburg, Tacony, Kensington, Feltonville, Frankford, Olney, Andalusia,
Cornwells Heights, Bucks County, Philadelphia County, Delaware County, and Montgomery County,
PA. We also offer lower cost Pennsylvania auto insurance premiums throughout the Keystone state,
including in Reading, Lancaster, Allentown, York, and Bethlehem, PA.
Pennsylvania Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an auto
insurance policy. The minimum liability insurance coverage available for purchase in
Pennsylvania is 15/30 and is explained in detail below. However, we recommend that
you choose liability auto insurance coverage amounts that are much higher than the
minimums listed above that are required by the state of Pennsylvania. Contact us at
(215) 788-3100 to discuss what liability insurance coverage amounts you require to
meet your family or personal needs.
Pennsylvania Liability Coverage limits explanation:
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Pennsylvania Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle,
car, truck, fence, or house, is covered through property damage auto insurance coverage.
This coverage also assists in protecting you if a lawsuit arises from an accident. The
minimum coverage amount in Pennsylvania is $5,000.
Pennsylvania Auto Insurance Policy FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no auto liability insurance. This coverage is not required for Pennsylvania Auto
Insurance. Contact us today to discuss what uninsured coverage amounts you require to
meet your family or individual needs.
Example of uninsured motorist limits:
15/30 15=$15,000 - 30=$30,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

Pennsylvania Auto Insurance Policy FAQ
Having a teenager included on your auto insurance policy will always cost substantially more,
but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's
are more prone to accidents, especially ones caused by speeding. A disproportionate number
of teenage car accidents involve only one vehicle.
This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required
Pennsylvania auto insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is also not a required coverage in Pennsylvania.
Pennsylvania Auto Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Pennsylvania
Auto Insurance policy that will provide excellent auto insurance coverage at a
cheaper total cost. Or you can speak with our Pennsylvania Auto Insurance
specialist at (215) 788-3100 to discuss the features in more detail.
Covers damage caused to the insured's auto (your automobile) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the Pennsylvania auto
insurance policy pays. The higher the deductible chosen the lower the comprehensive
coverage cost within the Pennsylvania auto insurance policy.
Pennsylvania Auto Insurance Policy FAQ
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches,
slings, neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Pennsylvania Auto Insurance Policy FAQ
Pennsylvania Auto Insurance Policy FAQ
Pennsylvania does require "No Fault" insurance coverage. This coverage pays medical
bills for injuries suffered in an auto accident regardless of who caused the accident.
Medical payments coverage pays for the medical and funeral expenses for you or others
hurt or killed in an accident while riding in or driving your car or truck. Claims against this
coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental,
professional nursing, prosthetic, and funeral expenses. It will also cover you or members
of your family if you are hit by a car when you are walking or if you are riding in another
car or truck. This coverage will pay for your medical and funeral expenses even if you
cause the accident. The coverage is often limited to medical care you get in the first one,
two, or three years after the accident and is limited to a specific dollar amount. This is a
required Pennsylvania Auto Insurance coverage option.
**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at
their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as
they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide.
Pennsylvania Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a
covered event.
Pennsylvania Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing
Insurance. Changing a flat tire on the roadside may also be covered, but you will need to
pay for repairs received at the garage or other repair location.
Pennsylvania Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your
car is required.
Pennsylvania Auto Towing Insurance
Covers costs involved for towing your auto anytime you need it.
What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy
below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it
will have been prepared especially for you. It will list the specific auto insurance coverages
and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the payment
of your auto insurance premium. The type and amounts of each coverage you've
purchased is described in detail and also outlines exactly who is covered under each
provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that would
free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim situation.
Will include guidelines for contacting the insurance company, obtaining a police report,
and filing a claim. Information on auto insurance policy cancellation will be outlined here,
too.
Click on the link below to fill out a secure quote request form for a cheaper Bucks
County Pennsylvania Auto Insurance policy premium quote that will provide excellent
auto insurance coverage at an affordable cost. Or you can speak with our
Pennsylvania Auto Insurance specialist at (215) 788-3100 to discuss the policy
features in more detail.
Pennsylvania Auto Insurance Information
Proudly Serving All
Of Pennsylvania!
Pennsylvania Auto Insurance Policy
LOWER BUCKS
INSURANCE ASSOCIATES
Pennsylvania
Personal
Insurance
Auto
Insurance
Lower Bucks
Insurance Associates
1159 Veterans Hwy
Bristol, Pennsylvania 19007
Bucks County PA
(215) 788-3100
Fax: (215) 788-3200
Lower Bucks Insurance Associates
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