When it comes to auto insurance in Wyomissing, Reading, Sinking Springs, Myerstown, Womelsdorf, Robesonia, PA, and the surrounding areas, we are a no-fault insurance area when it comes to your auto insurance. What this means is that the personal injury protection portion of your auto insurance will be in force and drivers will be filing with their own insurance for the claim. Stubbs Insurance Agency can help you understand what this means when it comes to your auto insurance, but generally it means that your insurance will be covering your medical expenses related to an auto accident, regardless of who was actually at fault for the accident. The goal behind this is to have issues resolved faster, and people to receive payment for covered medical expenses faster as well. Contact our team today to learn more about no-fault insurance and what that means for your auto insurance.
Know What It Will Cover and What It Will Not Cover
Your no-fault auto insurance only deals with the personal injury side of things, i.e., any medical bills that you may have from an auto accident. It does not address your car repairs, stolen items, nor does it address damage done to other vehicles. Those areas are still addressed with the other provisions of your auto insurance, with the various limitations in force for your policy. It is also important to understand that there are severity limits on this no-fault insurance.
Pennsylvania is one of a handful of states that have a severity or type of injury limit on no-fault insurance. This means that if there is a specific injury, or the severity of your injuries are extensive, then when the threshold is met, a person can sue for damages like the medical bills, rather than just filing with their own insurance.
Working With an Independent Agency
Understanding your auto insurance, especially the no-fault portion of your insurance policy, can be a bit overwhelming, especially when you don’t deal with it on a daily basis. We can help you understand how much coverage you may want to have for each portion of your auto insurance, from the personal injury protection to the comprehensive and collision portions and more. Having the right amount of coverage will ensure that you don’t have any out-of-pocket expenses when you are involved in an auto accident.
While your no-fault insurance is designed to reduce the number of lawsuits in Wyomissing, Reading, Sinking Springs, Myerstown, Womelsdorf, Robesonia, PA, and the surrounding areas related to auto accident and medical bills, it is still important that you have the right coverage level for your needs. Talk with our team today at Stubbs Insurance Agency to fully understand how these policies work. Contact us today to schedule a review of your auto insurance.