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The Facts About Car Insurance

Did you know that more than one in thirteen vehicles that you encounter on Pennsylvania highways will be uninsured*?

Every week we hear from people we can’t help. Because if they’re not fully insured, we can’t turn back the the clock. For more help, call us today and we’ll be glad to explain your rights and the kind of insurance that will keep you fully protected.

*Source: Legislative Budget & Finance Committee report on
“Affordability and Availability of Auto Insurance in Southeastern PA”

Don't Lose Your Right to Sue

A careless driver hit their car. Their son will take months to fully recover. Yet they can’t
collect for pain and suffering. Why? They didn’t have full tort insurance. Do you? If you
don’t, you’re at risk.

  1. 1. You and your family need full insurance protection: What an insurance company may call “full coverage” is not always full protection.
  2. 2. Insist on full tort: It gives you the unlimited right to sue for pain and suffering. Limited tort can limit this right.
  3. 3. Insist on uninsured/underinsured motorist insurance: They protect you even if you are in an accident with a driver who isn’t insured or is poorly insured.
  4. 4. You don’t have full protection if you don’t have both kinds of insurance: Full tort and uninsured/underinsured motorist work together to give you complete protection.


What Happens If You Don't Have Full Insurance Protection?

You Can Not Collect When Uninsured Drivers Hit You

Drunk and careless drivers are everywhere. More than one in thirteen vehicles that you
encounter on Pennsylvania highways will be uninsured. If you do not have the uninsured motorist protection, you could end up paying for catastrophic injuries.

You Lose the Right to Collect

Limited tort restricts your right to collect for personal injuries.

You and Your Family Are at Risk in Your Car

Shouldn’t your family members also have the right to collect? Under limited tort, they can’t.

You and Your Family Are at Risk in Someone Else's Car

Your limited tort will keep your children from being able to collect, even when they’re in a car driven by someone who has full tort.

You Are at Risk If You Don't Have Both Full Tort and Uninsured/Underinsured Motorist Insurance

Even with full tort insurance, you do not have uninsured/underinsured motorist protection unless you insist on that, too.


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