Insurance Blog

While your existing car insurance policy may adequately cover local driving, it may not provide sufficient protection for long-distance journeys. It would be prudent to review your current plan’s coverage and seek updates for any areas where you are underinsured.

The Importance of Liability Coverage

Liability coverage safeguards you against accidents where you’re at fault, and unfamiliar roads can increase the likelihood of such occurrences. Review the amount of coverage your present policy provides. If your policy only offers the minimum coverage, consider increasing your protection. This coverage aims to protect against vehicular damage and bodily injuries you cause.

Understanding Uninsured Coverage

Uninsured coverage is crucial in managing the aftermath of a traffic accident caused by an uninsured driver. Suppose such a driver causes damage to your vehicle. In that case, uninsured coverage will cover procedures such as dent removal and paint applications, among other essential services needed to restore your vehicle’s condition. If you don’t already have this coverage, consider adding it to your existing policy. Choose a coverage amount that can adequately handle a wide range of repair services you may need during a long-distance trip.

Securing Roadside Service Coverage

Roadside service is a type of coverage that protects against incidents that cause your vehicle to break down. Instances such as your vehicle running out of gas or becoming inoperable due to other unforeseen circumstances fall under this coverage. Roadside protection provides relief in cases where your vehicle needs to be towed or serviced by a mechanic.

Consult with an Insurance Agent in Doylestown, PA

Scheduling an auto insurance consultation before embarking on a long-distance journey can ensure you have adequate coverage. Contact an insurance agent serving Doylestown, PA. Our licensed insurance agents at Bucksmont Insurance are ready to ensure that your auto insurance policy provides the coverage you’ve requested.

Driving without insurance or while underinsured in Pennsylvania can pose serious financial and liability risks to you personally and your entire household. If you’re a Bucks County resident and want to mitigate risks anytime you’re on the road, you can do so with proper insurance coverage from Bucksmont Insurance. Understanding common risks associated with being underinsured in Doylestown, PA, can help you determine which auto insurance policy you need.

• Lack of Liability Protection: Unfortunately, if you’re underinsured, there’s a risk of inadequate liability protection, which may cause you to absorb additional financial liability if your insurance cannot cover the medical bills and damage caused by the accident you were involved in. 
• Lack of Coverage for Medical Bills: One of the biggest risks of driving while underinsured in Pennsylvania is not having adequate coverage for medical costs incurred due to an accident. Even if you have PIP or Personal Injury Protection, there is not always a guarantee that the coverage will be enough for your needs or those of others involved in the accident. 
• Loss of Employment or Income: Dealing with an accident and recovering from physical injuries can result in the loss of employment and wages. This can cause you to experience unnecessary financial strain for an extended time.
• Property Damage: Anytime vehicles or other property are damaged in an accident, the damage will need to be paid for financially. If you’re underinsured, this can prove difficult and extremely expensive, prompting out-of-pocket costs.

With proper insurance coverage from Bucksmont Insurance in Doylestown, PA, you can drive knowing you’re protected in the event of an accident or collision, regardless of who is found to be at fault. To learn more about auto insurance policies that are right for you in Pennsylvania, contact Bucksmont Insurance today.