RH Worthington Group serves Milford, PA, with auto insurance that helps its residents protect their financial security if they incur injuries in an accident or injure someone else in an accident.

Uninsured And Underinsured Motorist Coverage

By state law, our insurance agency offers uninsured and underinsured motorist coverage. A policyholder can decline this coverage in writing, but we recommend keeping it. Although Pennsylvania considers itself a no-fault state, its drivers can choose one of two tort options if they are involved in an accident. 

• Limited tort: Under limited tort status, a driver injured in an accident can sue the at-fault party only for medical expenses. 
• Full tort: Under full tort status, a driver injured in an accident can sue the at-fault party for medical and non-medical costs, such as pain and suffering.

If you do choose to keep the offered uninsured/underinsured motorist coverage, you will need to choose between limited and full tort coverage when you purchase your policy. 

What Your Choice Means 

Although it may seem odd, you choose in advance whether your coverage will allow you to sue a driver under limited or full tort status. The insurance option you choose applies to every accident you’re involved in. When you renew your insurance at six months or one year, you can upgrade your coverage from limited to full tort. 

Customize Your Auto Insurance Today 

Call or email RH Worthington Group to upgrade your auto insurance. Let us help you protect your financial security while traveling in and around Milford, PA. Our insurance agents can help you design a policy that appropriately protects your finances so you don’t have to pay out of pocket for damage to your vehicle or medical injuries if you’re involved in an accident.