Personal Auto Insurance
Seguro de Auto Personal
In the state of Pennsylvania, drivers are required to have a minimum auto insurance coverage of at least 15/30/5 and at least 5000 medical coverage. However, this may not be enough to cover you for major accidents or other circumstances. We are here to help you build a budget friendly policy that works for you. Ask us about additional coverage options if you feel you need more protection.
En el estado de Pennsylvania los conductores necesitan tener cobertura de seguro mínima de 15/30/5 y 5mil en cobertura médica. Estas coberturas posiblemente no sean suficiente en caso de accidentes graves. Estamos aquí para ayudarte a crear un plan que te funcione al mejor costo posible. Pregunta por coberturas adicionales si crees que necesitas más protección.
What is 15/30/5 coverage and 5000 medical coverage?
15 - means $15,000 and refers to how much your insurance will pay for injuries per person if you are responsible for an accident.
30 - means $30,000 and refers to the maximum amount your insurance will pay for the entire accident.
5 - means $5,000 and refers to the maximum amount of property damage covered.
5000 - means $5,000 and refers to how much of you and each passenger’s medical needs are covered in the event of an accident.
¿Que significa cobertura 15/30/5 y 5000?
15 - significa que $15,000 es el monto máximo que el seguro pagaría por persona herida en accidente si tú eres responsable por el accidente.
30 - significa que $30,000 es el monto total que el seguro pagaría por accidente.
5 – significa que $5,00 es el monto total que el seguro pagaría por danos a propiedad en caso de accidente.
5000 – significa que $5,000 es el monto que el seguro pagaría por gastos médicos a los pasajeros de tu vehículo en caso de accidente.
Drivers must also consider what tort coverage option is right for them. What is tort coverage?
Full Tort - gives individuals the ability to sue in court for pain and suffering.
Limited Tort - limits the ability to sue and receive compensation for pain and suffering.
Los conductores deben considerar que opciones le convienen.
Full Tort - les da a los conductores la habilidad de demandar por compensación en caso de sufrir heridas por accidente.
Limited Tort – limita la habilidad de demandar por compensación en caso de accidente.
Some additional coverage options include:
Collision - coverage for your vehicle if you are responsible for an accident. Your insurance will pay for all repairs to your car minus your chosen deductible. The deductible is how much you will pay out of pocket before the insurance covers the rest.
Comprehensive - coverage for theft or vandalism. Your insurance will pay damages to your vehicle minus the deductible.
Uninsured/Underinsured Motorist Coverage - coverage if you are injured as a result of an accident and the other driver doesn't have insurance or not enough insurance to cover your medical expenses. Your insurance will pay up to the limits you choose.
Car Rental Coverage - pays up to the coverage limit for a rental car if your car is being repaired as a result of an accident.
Emergency Roadside Assistance - coverage that pays for someone to tow your car to the nearest repair shop, fix a flat tire, unlock your car if you accidentally lock your keys in your car, and bring you gas if your car runs out.
Otras opciones de cobertura
Collision – cubre tu vehículo si tú eres responsable por el accidente. El seguro pagaría los gastos de reparación menos el deducible que elijas. El deducible es el monto que tu pagarías de tu bolcillo y el resto lo paga el seguro.
Comprehensive – cobertura por si tu vehículo es vandalizado o robado.
Uninsured/Underinsured Motorist Coverage – te cubre tus gastos médicos si el otro conductor no tiene seguro o no tiene suficiente cobertura. Tu seguro pagaría hasta el límite que escojas.
Car Rental Coverages - paga la renta de vehículo si el tuyo necesita reparación debido a un accidente.
Emergency Roadside Assistance – cobertura que paga para transportar tu vehículo al taller más cercano ya sea por llanta ponchada, si dejaste las llaves dentro del vehículo o te quedaste sin gasolina en la calle.
Contact us by phone, email, or in-person to see how we can help you choose the right coverage. Click below to receive a quote.
Contáctanos por teléfono, correo electronico o en persona para ver cómo te podemos ayudar a escoger la mejor cobertura. Presiona abajo para recibir cotización.