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Auto Insurance Information
Auto Insurance in Cambria County, Pennsylvania
Driving is hazardous even for the most responsible drivers, and you must have a way to protect yourself and your vehicle from any number of challenges that might arise whenever you get behind the wheel. Auto insurance is that remedy.
Horne Insurance is a team of dedicated, experienced insurance professionals who will work hand in hand with every client to help them determine the auto coverage options that are best for them. By tapping into the policy options of our network of trusted carriers, we’ll make sure you walk out the door and get behind the wheel knowing that you have strong benefits behind you.
To get your Maryland or Pennsylvania auto policy now, contact us at 814-948-8940 or just request your free quote online now!
Common Auto Insurance Questions
Why do I need car insurance?
You hope that you never have a car wreck, see your vehicle stolen or damaged in a fire, or get sued because you were at fault for an accident. However, try as you might, you just can’t eliminate the risk that sometimes, a worst-case scenario might arise.
Auto insurance is designed to step in on your behalf in situations like these. When your policy pays for accident costs, you will be able to withstand having to try to afford these costs from your own pockets. Therefore, it will enable you to move on from any number of costly, inconvenient hazards without spending an arm and a leg.
What does auto insurance cover?
Though auto insurance policies vary, they generally offer several common benefits among them:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
To further customize your benefits, you can also enroll in coverage like:
Rental car reimbursement
Am I required to buy auto insurance?
Both Maryland and Pennsylvania require all drivers to purchase minimum levels of auto insurance.
First-Party No-Fault Medical Benefits: $5,000
Bodily Injury Liability Insurance: $15,000 per person/$30,000 per accident
Property Damage Liability Insurance: $5,000
Bodily Injury Liability Insurance: $30,000 per person/$60,000 per accident
Property Damage Liability Insurance: $15,000
You must purchase the coverage limits required by the state in which you register your vehicle. All drivers are encouraged to purchase more than just the minimum coverage, and to enhance their policy with other coverage like collision, comprehensive and un/underinsured motorist benefits.
How much will my policy cost?
We fully understand that you might have concerns about the affordability of your auto insurance policy, and we’re committed to working with you to optimize your coverage in ways that will provide you with the best value. Our belief is that the best policy for you offers you strong coverage at exceptional value.