When buying a new car or truck, you are going to have to think about auto insurance. Though you may want to save your money and skip it, the truth is that you need to have insurance before you drive your new vehicle! Northeast Insurance Advisors LLC in Easton, PA provides this guide on how to navigate insurance for your vehicle. 

Here are some reasons why you need automobile insurance:

It is law

Most states require automobile insurance if you get behind the wheel. 

Your loan may require it

If you take a loan out in order to buy your vehicle, they are going to want to make sure that their investment is protected by making sure that it will get fixed if something happens to it. 

It will help you fix or replace your car if you are in an accident

Since most people take out a loan to get a new vehicle, they aren’t going to be able to fix or replace it if it gets damaged in an accident. Insurance allows you to pay monthly, to help you with expenses that may occur later. 

If you injure someone, your auto insurance will help cover medical expenses

These expenses can really add up, so it is important to have liability insurance to help you pay for them! 

Legally, you need to have insurance before you drive a new car. That being said, your loan may also require it. They want to protect their investment, so you may need more insurance to make sure that your vehicle gets fixed in an accident. 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Northeast Insurance Advisors LLC in Easton, PA. 

Auto insurance is always a good idea. But it’s also the law.

Just like most other states, Pennsylvania has specific auto insurance requirements. While most of these are common, there are a few mandates that make the state different than others. Fortunately, Northeast Insurance Advisors LLC are experts at interpreting these ever-evolving regulations. Located in Easton, PA, their agents stay current so you can stay protected.

With this in mind, Northeast Insurance Advisors LLC shares three mandatory items that every auto insurance policy must include.

Bodily injury liability

In Pennsylvania, liability coverage is required for all drivers. Protection against bodily injury is the first component. If a serious collision injures another motorist, this plan will reimburse those expenses. By law, drivers must carry at least $15,000 for any single person. A total of $30,000 is mandated per accident for all people. 

Property damage liability

This is another form of liability. However, this applies to someone’s property instead. Although this includes mostly vehicular damage, it can also cover damage to buildings, mailboxes, and other structures. Pennsylvania motorists are required to have $5,000 per accident for property damage. Taken together, liability coverage is often referred to as "15/30/5."

Personal injury protection

Because of its distinction as a no-fault state, Pennsylvania makes all drivers carry first-party medical benefits of at least $5,000. Known as Personal Injury Protection (PIP), this could re-pay lost wages, medical bills, and other accrued expenses that resulted from an accident. But, unlike liability, this protects you personally, not another driver. 

Contact an agent serving Easton, PA

Northeast Insurance Advisors LLC keeps you legal. But their agents also keep you safe. Auto insurance protects you and your family. It also protects other drivers on the roadway too. To get proper coverage, schedule an appointment right away.

Did you ever wonder what full coverage auto insurance means? Or if you have it? The team at Northeast Insurance Advisors LLC is here to help the residents of Easton, PA learn all about full coverage auto insurance.

There are many levels of auto insurance coverage and each state has different amounts and components that are required. However, what is required and what is sufficient coverage are almost always two very different things.

Full coverage auto insurance is a misleading term. It’s not actually a single coverage, but rather a combination of coverage components in a policy.  This combination of coverage means that you, your vehicle, any passengers in your vehicle, as well as any vehicles or people that you might get into a collision with are covered because of the types and amount of coverage that you carry.  

When you hear the term full coverage, it is most likely referring to liability, comprehensive and collision coverage. If you have all three of these components in your insurance policy, you can consider yourself to have full coverage auto insurance.

• Liability insurance pays for damages in the event that you are responsible for an accident.
• Comprehensive insurance pays for damages incurred to your vehicle when it is not in an accident. For example, if someone damages it by breaking into your car or if it is damaged in a storm, flood, or fire.
• Collision insurance pays for damage that happens to your vehicle when it is involved in an accident. This could be a collision with another vehicle or a single car accident, such as hitting a tree or a curb or guardrail.

The professionals at Northeast Insurance Advisors LLC serving Easton, PA are standing by to answer all of your questions about auto insurance.