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HTA Bronco with Heart Guy

Purpose of Auto Coverage

To protect you against financial loss if you are in an auto accident. 

Auto Insurance helps to pay for damage to your vehicle and/or other property that your vehicle may damage.  In addition it helps pay for injuries and medical expenses (limits apply).  

Vehicle owners must purchase and maintain auto insurance to legally drive in Pennsylvania.

Protecting Others

One black woman in the car with neck pain

Bodily Injury Liability 

(required in PA)

Property Damage Liability
(required in Pa)

Driver hand examining dented car with damaged fender parked on city street side. Road safety and vehicle insurance concept

What happens if I am sued?

A standard car insurance policy may help cover accident-related judgements and legal expenses if a suit is brought against you. 

There are two types of liability car insurance: bodily injury (BI) and property damage (PD).

The insurance generally does not pay over the policy limits so it is important that you have adequate limits on your policy.  

  Protecting You

1st Party Benefits

Medical Expenses

required in PA

Under-Insured Motorist (UM/UIM)

Full/Limited Tort

Optional Benefits

Do you have...

Garaged Vehicle     Anti Theft     Airbags     Drivers at college without car     Teens with good grades
Accidents     Violations     Low Credit Score
High annual mileage    Work related mileage    Passengers for a fee

Please be sure to mention this to your HTA Advisor

What is not covered?

Common exclusions include but are not limited to personal effects and equipment such as cellular telephones, compact discs, CD players, and custom stereo speakers and systems that are not permanently installed in the vehicle by the manufacturer generally are not covered, unless specifically declared and added to the policy.

What if I Drive for a Transportation Network Company?

Attention Uber, Lyft, Door Dash, Grubhub, etc…

Ask the TNC what coverage they have in place that will cover you. While the TNC should have coverage in place, you may also want to have your own coverage.  Many TNC companies only cover liability (Protecting Others), but will not cover damage to your vehicle (Protecting You). 

Most personal auto policies do not provide coverage while you are carrying a passenger for hire.  However, there are insurers who do offer to endorse coverage onto your policy—usually for an additional premium. It is important not to drive for a TNC until you are sure that the coverage you need is in place to protect you.

Visit the following pages for more information on plan options


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347 N. Pottstown Pike
Suite 200
Exton, PA 19341

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F: 610.430.6652

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