Why basic auto insurance may be the wrong choice for you

Basic auto insurance is the mandated amount that the state of Pennsylvania requires you to have on your vehicle. In Bethlehem, PA, it is 15/30/5 which is all liability coverage. At Bethlehem Truck LLC we make sure that our customers have all the required auto coverage and also discuss the other options that are available. 

Basic auto insurance covers damage to the vehicle of the other driver in an accident you cause and also pays for medical expenses of the driver and passengers in the other vehicle. That is very important coverage but what about your vehicle? Chances are you need your vehicle to be able to carry out the basic activities that are necessary every day. If you need to get it fixed or replaced you require additional coverage. You will also need additional coverage if you have a lease or a loan on your vehicle. 

More Than The Basic

Collision

If your vehicle is damaged in an accident, you need collision coverage if you are responsible or if you are hit-and-run. Collision coverage has a deductible that you determine when you choose your policy, and this needs to be met first. 

Comprehensive

If your vehicle is stolen, it is comprehensive insurance that will replace it. If a deer runs in front of your vehicle and damages it, this is covered by comprehensive coverage. It also covers a few different types of weather damage like hail, wind, flood water, and more. Glass coverage is included as part of comprehensive coverage. All of these have a deductible. If you add total glass to your coverage, it takes away the deductible for the glass replacement. 

Reach Out To Us

Looking for insurance in the greater Bethlehem, PA metroplex? Contact our office at Bethlehem Truck LLC. We are independent insurance agents who work for our customers to make sure you have all the coverage you need.