If you drive a vehicle in Pennsylvania, you are required to have liability insurance. Pennsylvania’s minimum liability requirements are:

Bodily Injury - $15,000 per person/$30,000 per accident
Property Damage - $5,000 per accident

If you can afford to carry higher limits than the state minimums, then do it. If you would like to see what it would cost to raise these limits, please call us and we can quote you the additional costs. However, not everyone can afford to carry higher auto liability limits. Here’s a list of ways than can possibly help you save some money on your auto premiums:

Consider dropping your comprehensive and collision coverages on older vehicles
Raise your comprehensive and collision deductibles
Take a defensive driving course and tell us
Install a car alarm
Pay every six months in full, rather than month-to-month. You can avoid
 financing charges this way.
Install a car alarm
Buy a car with safety features such as anti-lock brakes and air bags.
Consider placing your auto insurance and homeowners insurance with the
same company. Companies usually offer a discount if they have
both policies.



Auto High Risk
Homeowners
Personal Liability
Personal Umbrellas
Renters		 Life/Health
Disability
Recreational Vehicles
Annuities
Bonds

What To Do In Case Of An Auto Accident

Auto accidents can be both a frightening and stressful experience for all those involved. Here are some tips that you should use after you are involved in an accident.
Do not leave the accident scene. If you are worried about your personal safety or if your car is creating a traffic hazard, move to a safer place. However, you should remain in the immediate area.
Call for medical help if anyone needs immediate attention.
Call the police and follow their instruction. In minor auto accidents, the police may instruct you to exchange information with the other driver involved.
Call the insurance company as soon as possible to report the accident.
Never disclose the limits of your auto policy with the other parties involved.
Never admit responsibility for the accident.


Write down as much vital information about the accident as possible. Information you need should include:

1. Vehicle descriptions of all involved autos(year, make, model, and color)
2. License plate numbers of all vehicles involved
3. Names, addresses, and phone numbers of other drivers AND passengers
4. Names, addresses, and phone numbers of any witnesses
5. Time, date, and precise location of the accident
6. Give other drivers your name, phone number, insurance company and policy number. Only give your insurance information to drivers involved in the accident.