Auto insurance is required by law. But that doesn’t mean you don’t have options.

Even though Pennsylvania has specific requirements for liability and personal injury protection, minimum coverage alone is rarely sufficient. Inadequate auto insurance can leave you exposed to unnecessary risks.

Fortunately, RH Worthington Group can help. Located in Milford, PA, their agents can make sure you’re properly insured. While this isn’t the full list of available options, the agency shares these five auto insurance add-ons.

Tort options

In Pennsylvania, a policyholder’s ability to sue another motorist is directly linked to the selected tort option. As the name implies, a limited tort option restricts rights to only extreme circumstances. In contrast, full tort grants the opportunity to sue for pain and suffering after any accident.

Extraordinary Medical Benefits

By law, drivers must carry $5,000 in first-party personal injury protection. This option exceeds that, paying for medical-related expenses between $100,000 and $1 million.

Uninsured or underinsured motorist coverage

If you are involved in an accident with another driver who lacks proper auto insurance, this protection kicks in. It applies to bodily injuries suffered when struck by another motorist who is found to be at fault.

Collision

If you are involved in an accident with another driver or object, collision benefits can pay for repair costs. Although this isn’t mandatory, collision insurance may be required by some lenders in order to receive a car loan.

Comprehensive

Any other non-collision damage would be rolled into comprehensive coverage. This includes theft, vandalism, incidents involving animals, and any weather-related damage. When combined with collision insurance, this package is commonly referred to as "full coverage."

Contact an agent serving Milford, PA

RH Worthington Group can ensure you’re legal. But, more importantly, the agency can ensure you are adequately protected. Set up an appointment today.