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Todd Lorenzi Agency
Auto Insurance in Pennsylvania & West Virginia
If you operate a vehicle in Pennsylvania or West Virginia, maintaining at least the state-mandated minimum auto insurance is a legal requirement. However, with the vast array of choices on the market, selecting the ideal policy can feel overwhelming. It is vital to partner with an insurance agency that not only understands these requirements but also provides the high level of personal service you deserve.
Regardless of your vehicle’s make or model, your coverage should offer robust protection against the many uncertainties of the road. As an independent agency, we collaborate with multiple insurance carriers to provide the high-caliber protection you need. Our comprehensive policies address the core components of auto insurance: liability for bodily injury and property damage, collision, comprehensive, medical benefits, uninsured/underinsured motorist coverage, and your specific tort options.
Essential Auto Coverage Definitions
- Bodily Injury Liability: If you are found liable for an accident, this covers the medical and rehabilitation costs for others involved. This is a legal requirement for all drivers in Pennsylvania.
- Property Damage Liability: This pays for damages you cause to another person’s property or vehicle during an accident.
- Comprehensive Coverage: Protects your vehicle against non-collision hazards, including fire, theft, flood, vandalism, or glass breakage. It also covers damages resulting from striking an animal.
- Collision Coverage: Pays for repairs to your own automobile following an accident.
- Medical Benefits: Regardless of who is at fault, this covers medical expenses for you and any passengers covered under your policy.
- Uninsured Motorist (UM): Provides bodily injury protection for you and your passengers if you are struck by an at-fault driver who has no insurance.
- Underinsured Motorist (UIM): Offers protection if the at-fault driver has insurance, but their limits are insufficient to cover the full extent of your claim.
Understanding Your Tort Options (Limited vs. Full)
Choosing between Limited and Full Tort is one of the most important decisions for a Pennsylvania driver.
- Limited Tort: This option allows you to save on your monthly premiums. While you can still recover out-of-pocket medical costs, you generally waive the right to seek compensation for “pain and suffering” unless the injuries meet specific legal thresholds defined by Act 6 of 1990.
- Full Tort: By selecting full tort, you maintain your unrestricted legal right to seek financial recovery from a negligent party for all damages, including pain and suffering.
Contact our Washington office at 724-222-3690 or our Uniontown office at 724-437-7147 to receive a customized auto insurance quote today!
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