Driving around Pennsylvania can be hectic. Accidents happen every day, and some of them are hit and runs. Whether you were responsible for hitting someone or someone hit you, it is important to have the necessary auto insurance in place that will provide you with coverage. Otherwise, you can find yourself spending a lot of your own money in order to make repairs and take care of medical bills.
The state requires you to have a certain level of auto insurance. There are additional levels of coverage that you can add above and beyond, and these can be affordable and advantageous. You will be able to choose what coverage you want as well as the limits.
To protect against hit and runs, you will want to explore such coverage as:
- Uninsured motorist
- Medical payments coverage
- Personal Injury Protection (PIP)
All of these can be added to your policy. How much it will cost will depend upon the insurance company that you ultimately choose to get your policy from. It will also depend upon what limits you have chosen for each form of coverage. The higher the limit, the more the insurance company will pay when you file a claim. The goal is always to minimize the amount of money that you could potentially spend out-of-pocket. It is better to pay a deductible and then have the insurance company pay for the rest.
The coverage can take care of repairing your vehicle and paying for medical bills for you and passengers who were in the car with you.
Call us at the Brandywine Insurance Group now to speak to one of our agents. We can talk to you about auto insurance in Chadds Ford, Pennsylvania and answer any questions you may have about coverage, hit and runs, and more.