Question

• What is the minimum amount of insurance coverage on an auto according to Pennsylvania Law?
• When selecting auto insurance, what are the key factors you should consider? Should you always pick the policy that has the lowest insurance premium? Why or why not?
• Suppose you live in rural area in southwestern PA where there driving conditions may be bad in winter and there are a lot of winding roads. What insurance provisions/coverage can protect you against possible car accidents?
• To you, what minimum amounts and types of insurance coverage are best fit for a college student like you?
• Do you know of any auto insurance company that is the best in their services and has a reasonable premium charge? If you don't know, try to do some internet search. Use your own words to explain why this company is better than others.

Answer 1

1) The minimum limits for Pennsylvania auto insurance are:

Bodily injury liability coverage: $15,000 per person $30,000 per accident.

Property damage liability coverage: $5,000.

Uninsured motorist coverage: $15,000 per person, $30,000 per accident.

2) Key factors you should consider for auto insurance

• Comprehensive Coverage Policy
• Tips to Get the Perfect Car Insurance
• Compare Before You Buy
• Know About the Third-Party Insurance
• Claim Settlement
• Personal Accident Cover
• Insured Declared Value of the Car
• In-Network Garages
• Know About No Claim Bonus
• Other Facilities

When buying or renewing your motor insurance it is advisable not to blindly buy the policy with the lowest premium. If one car insurance policy premium is significantly lower than alternatives offered by other insurers, then in all probability the former's coverage may be less in terms of value or features.

3) Auto Insurance Policy

If you are in an accident and you have car insurance coverage, your policy will pay for your medical expenses to the extent of your coverage. This applies to anyone, including your children, spouse, etc.

Driver's auto insurance

If you do not have an auto insurance policy of your own, if you have been hurt as a passenger in their car, you will be covered by the driver's insurance. Vehicle insurance will be paid for your medical expenses up to the limit of your insurance policy, regardless of who is at fault.

Health insurance

When you reach the limit of your insurance policy - or the limits of a driver's insurance policy - your health insurance pays for your medical costs. Whereas, many private medical insurers have something called "subordination rights". This means that if you settle a case, you may need to pay your medical costs.

4) Three types of Insurance your college student must have

• Health Insurance
• Auto Insurance
• Renters’ Insurance

5) Car insurance covers your vehicle in the event of an accident and avoids some liabilities as a driver. To find the best car insurance company, it is important to have financial strength, customer service reviews, coverage options, and pricing policies. To evaluate the best car insurance companies, we have to look at customer satisfaction, claims satisfaction, claims settlement, and customer complaint scores.

Amika Mutual
Amika Mutual has a long time to provide good coverage and customer service. 2020 U.S. by J. D. Power. Auto insurance study in the New England region and 2019 U.S. Auto Claim Satisfaction Study Ranked First in the Nation. Amica provides all general coverage, such as personal injury protection and unlicensed and motorized, with great addons, including roadside assistance and glass coverage.

Progressive
Progressive is our top for drivers who want the best coverage option. If you enter the rate you want to pay for a car insurance policy, then that progressive will tell you the coverage options available in your price range. Additionally, the company makes it easy for high-risk drivers to shop with its name online pricing tool.