It would be best if you didn’t underestimate the importance of selecting an auto insurance policy. Your auto insurance is a key financial product that you’ll rely on to protect you if you’re ever involved in an accident.
At Stalwart Insurance, we sell auto insurance policies that meet motorists’ needs in Pittsburgh, PA. The following are three common misconceptions about auto insurance in Pennsylvania that you need to be aware of.
Comprehensive coverage covers any possible type of auto insurance need.
Comprehensive coverage is a certain type of auto insurance coverage. However, the name can be a bit deceiving. Comprehensive coverage means coverage for every type of damage your vehicle can experience outside of a collision.
Comprehensive coverage alone only covers you for damage from certain causes such as flooding or theft. However, comprehensive coverage does not cover damage to your vehicle from an accident. For this, you need to purchase collision coverage.
You won’t be held liable for accidents in your vehicle if you weren’t driving.
Some motorists think that they can let their friend borrow their vehicle without being held liable if their friend gets in an accident. Actually, you may be held liable if someone else gets in an accident while driving your vehicle. This is why it’s important to be careful about letting others borrow your vehicle.
Your rates always go up after you get a ticket.
It’s true that your auto insurance rates are related to your driving record. If you have many serious citations on your record, you’re going to pay more for coverage. However, generally speaking, your rates shouldn’t go up significantly after only one ticket.
Learn more about auto insurance in Pittsburgh, PA by calling us at Stalwart Insurance. We’ll answer all of your questions about meeting your insurance needs in Pennsylvania.