Auto Insurance


Auto Insurance Information

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In 2017, there were 128,188 reported car crashes in Pennsylvania and 273,473 in New Jersey during 2016. REMCO Insurance will make sure you’re covered in case of an accident.

Is Car Insurance Required in Pennsylvania and New Jersey?

In short, yes. Pennsylvania and New Jersey require residents to have auto insurance, though there are differences in names and coverage. The options for auto insurance in Pennsylvania are “Limited Tort” and “Full Tort,” while New Jersey calls these “Verbal Threshold” and “Zero Threshold.” The former (limited tort and verbal threshold) both offer a limited amount of coverage compared to the latter (full tort and zero threshold), which are more like full coverage.

Pennsylvania’s Auto Insurance Requirements

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Medical benefits
  • First party benefits

Drivers may choose to reject uninsured/underinsured motorist coverage.

New Jersey’s Auto Insurance Requirements

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Uninsured/underinsured motorist coverage

What Does Auto Insurance Cover?

There are different coverage options when it comes to your auto insurance. Usually, a basic auto insurance policy will include:

  • Bodily injury liability coverage: In case you cause an accident, this coverage provides protection if the victim decides to sue.
  • Property damage liability coverage: This pays for the damage you may cause to someone else’s vehicle or other property.
  • Personal injury coverage: This insurance may pay for medical bills in the event of an accident. It is required in both Pennsylvania and New Jersey.
  • Comprehensive coverage: Provides coverage for damage done to your car not caused by a collision.
  • Collision coverage: This covers you if you’re at fault for a collision with another car or object.
  • Uninsured/underinsured motorist coverage: Protects you in the case of an accident with an uninsured or underinsured driver.

Can I Make Changes to My Policy at Any Time?

You don’t always have to wait until your policy is up for renewal in order to change it. We know that life happens and insurance needs can change in the blink of an eye. Maybe you added your teenager’s car onto the policy or you decide you’d like extra glass coverage. No problem!

Of course, there are some exceptions. When moving across state lines, it’s likely that you may have to cancel your policy and begin a new one even if you remain with the same carrier. If you’re moving from New Jersey to Pennsylvania or vice versa, you may not necessarily have to switch coverage, but you will want to speak with your agent to make sure you have the best car insurance for the move. Call us today at 215.357.7878 or request a quote today.

 

What Factors Are Determining My Insurance Rates?

There are several different elements that may influence your auto insurance. These include:

  • Demographics: Gender and age, marital status, location, credit score, and profession all play a factor. If you live in the city, your rate will most likely be higher than someone who lives out in the country with less cars.
  • Your Vehicle: Newer cars may cost more to insure than their older counterparts. Small cars are generally considered less safe, so they may have a higher premium to cover for incidents that possibly cause more damage.
  • Your Driving: Your driving record is important to your insurance company, as it shows them your history and habits as a driver. If you have a bad driving record filled with accidents and tickets or have multiple DUIs, your premiums can skyrocket and remain high for years after the event.

What is Gap Insurance and Is It Included?

Gap insurance is just what it sounds like. When you have auto insurance, your insurance will max out at a certain amount. The gap is the money that the insurance doesn’t cover that you must pay out of pocket—unless you have gap insurance. Gap insurance is optional coverage that typically isn’t included in basic auto insurance.

Get in Touch Today

Thank you for your interest in Remco Insurance Services, we proudly insure residents and businesses throughout Pennsylvania and New Jersey. Contact us today at 215.357.7878 to get started with superior service, coverage and the best rates.

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