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2550 Boyce Plaza Road
Pittsburgh, PA 15241

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3 risks associated with liability coverage on auto insurance

  Shopping for auto insurance for the first time can be daunting, especially when you are not familiar with the terms used. Terms such as ‘liability coverage” are prevalent in the insurance industry. If you are not sure what it means, you may end up making the wrong choices. Seeking help from an insurance expert at Stalwart Insurance serving Pittsburgh, PA is a prudent idea.

We will help you understand everything about insurance and find coverage that best fits your needs, lifestyle, and budget. The following three risks will help you understand how liability is related to your auto insurance.

1. It puts your vehicle at risk

Liability coverage is an insurance policy that only covers the damage or bodily injury of another driver when you are involved in an accident. That means that you and your vehicle are not in the picture. If you are injured or your vehicle is damaged in the same accident, and you were at fault, your liability insurance may not help.

2. Your financial security is not safe either

Liability touches the most critical part of insurance–finance. Even if you are the best driver in Pittsburgh, PA, you can still be involved in an accident where you are at fault. In such a case, you will most likely need thousands of dollars to pay for your medical bills as well as make significant repairs-resulting to financial jeopardy.

3. Your health is in danger

When you get liability coverage, it is critical to have in mind that it is not for you but for other road users whom you may hurt in an accident. If you are seriously injured in an accident where you were at fault, liability coverage may not help you.

To learn more about your safety on the roads with auto insurance, visit Stalwart Insurance in Pittsburgh, PA today!  

Stalwart Insurance: Tips for Safe Winter Driving

From the snow-covered mountains to the quaint small towns nestled in the hills with snow-covered rooftops, the winters in the most Eastern states can be gorgeous, but the snow can also cause some treacherous road conditions. Here are some tips from Stalwart Insurance in Pittsburgh, PA for safe winter driving in this beautiful state.

Before You Hit the Road

Before heading out on snow or ice-covered roads, be sure to let someone know where you will be traveling and take your cell phone with you. Be sure to fully charge your phone before you take off and stop at a nearby gas station to fill your tank, just in case you do get stranded. Throwing a blanket in the back of your vehicle is a good idea, also, in case your heater does not work, and you need to keep warm until help arrives.

Driving Uphill

Be sure to keep going as you drive uphill on snow or ice-covered roads and to keep your vehicle in high gear. That means, do not stop because if you do, you take a chance on you and your vehicle sliding back down the hill.

Downhill Driving

When traveling down a hill, keep your vehicle in a low gear to decrease your overall speed, and you will not have to use your brakes as often. Braking can cause sliding, which you will want to avoid.

Studded Tires

Studded tires will help keep you and your vehicle on the road and will assist you in climbing steep roads that head uphill.

Stay in Control

Do not use your vehicle’s cruise control feature when navigating snowy roads. If you do, you will not have as much control over the acceleration and deceleration of your vehicle, which you need when traveling on treacherous roads.

Use these tips to stay safe while enjoying your drive through beautiful landscapes. For more tips and to ensure you have proper insurance coverage, visit Stalwart Insurance in Pittsburgh, PA in person, or contact us online.



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