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.
Bodily Injury Liability
(required in PA)
Property Damage Liability
(required in Pa)
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.
1st Party 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