Most people would agree that moving can be very stressful, especially if it is to another state. This is because aside from the physical aspect of packing and shipping your personal belongings, there are also many other things that you have to take care of. One of these things is changing over your personal information and services. For example, you will need to have your cable or satellite provider transfer your current television service. Similarly, you will also need to change your home phone number, but also your car insurance. Every state is different, so you should talk to Erie insurance agents if you are in the process of moving to Pennsylvania.

Among the first things you will learn from Erie insurance agents is that Pennsylvania is a Tort state, as opposed to a “no-fault” state. In a Tort state, authorities need to determine a responsible party whenever there is an accident. This does not necessarily mean that the responsible party is “guilty” of a crime, but simply that it was something they did that caused the accident. Unfortunately, accidents are often the result of safe driving as well as negligent driving, like swerving to avoid errant debris in the road, but in Pennsylvania, that is the law. Understanding this will help you to better understand how insurance rates are determined in Pennsylvania.

Another thing that Erie insurance agents will tell you about are the minimum requirements for insurance in the state of Pennsylvania. In order to legally operate your motor vehicle, you need to have, at the very least:

$15,000 of Bodily Injury Liability coverage
$5,000 of Property Damage Liability coverage
$5,000 of First Benefits

Every state is different, so you may be used to numbers that are higher or lower than these, but these are the minimum insurance requirements for Pennsylvania. As long as you have this, you will not get into legal trouble for being uninsured or underinsured.

If you have never had to get insurance before, you might not understand what all of these things mean. Licensed Erie insurance agents can explain to you the details within your insurance policy but all you really need to know is that “liability” pertains to responsibility. Your liability coverage will help you in the event that you are found “responsible” for an accident and need to pay for damages. Damages could be anything from physical injury to property damage, hence two of the required aspects of a Pennsylvania insurance policy.

When you speak with Erie insurance agents they might also explain to you that there are several other features that you can add to your policy. For one, you could increase your coverage if you feel like you need more. Typically, you do this if you drive an expensive car or do not want to lose any money from missing work and things like that. You might also, then, want to consider supplemental coverage that will kick in if a driver who hits you does not have enough insurance to cover your damages.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
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