Auto Insurance
The Insurance companies we represent provide a wide range of auto Insurance products at a fair price. We can help you understand what these terms mean and how much coverage is right for you.
Get a Free Quote or Guidance
Fill out the form below. We will contact you and disscuss options for insurance that fits your needs
Report an Auto Claim
To Report an Auto Insurance Claim, click HERE, find your insurance company (carrier) and follow the instructions. During business hours, please don’t hesitate to call us directly at i.e. Insurance to file your new claim!
If you file directly with your insurance company, please don’t forget to check in with us later so we can keep an eye on things for you!
Auto Insurance Coverage
REQUIRED
Liability & Property Damage – this is the part of auto insurance PennDot requires you carry so that if you cause an accident there are funds available to pay for the other party’s medical bills and damage to their vehicle. Many options are available ranging from $35,000 of protection to $1,000,000 of protection in either single limit or split limit coverage.
Tort Option – in Pennsylvania you must select either Limited Tort or Full Tort on your auto insurance policy. Tort is what determines the extent of your ability to sue a responsible party in the event of an auto accident. You should discuss this in detail with your insurance professional.
Medical Payments – this is ‘no fault’ coverage, meaning that this pays out for your medical expenses before any other insurance, regardless of fault. You are required to have at least $5,000 of coverage, but options are available up to $100,000.
OPTIONAL
Additional First Party Benefits – Income loss, funeral benefit and accidental death coverage are available for purchase to protect you and residents of your home that don’t carry their own auto insurance policy. Similar to Medical Payments, fault is not a factor in payment
Collision – you must have Comprehensive to have Collision. This also pays to repair or replace your vehicle, but covers you in the event your vehicle collides with another vehicle, stationary object, or overturns. Deductible options in PA range from $100 to $1,000.
Customization Coverage – this is a necessity if you have equipment on your vehicle that was installed after the vehicle was produced by the manufacture. It is especially important for motorcycles, pickup trucks, and handicap accessible vehicles.
Extraordinary Medical Benefits – this pays for your medical costs incurred from $100,001 to $1,000,000 in the event of an auto accident.
Comprehensive (Other than Collision) – this provides for repair or replacement of your vehicle for situations that are out of your control as a driver, such as theft, fire, weather damage, or hitting an animal. You select a deductible between $0 and $1,000.
Rental Reimbursement – this is the most common dispute item within auto insurance policies. Rental Reimbursement provides a dollar amount per day your policy will provide for an alternate vehicle while yours is in the shop from a covered claim. You must purchase this option in order for your insurance provider to pay the rental fees for you in the event of an accident. Some companies pay a percentage of your bill, and others provide a dollar amount per day.
Uninsured & Underinsured Motorist – this is protection for you and residents in your household (if they don’t have their own car insurance) to pay for bodily injury only if you are involved in an accident where you are not at fault and the person who is at fault has no auto insurance or not enough to pay for your medical expenses. Stacking is an option available to you to increase protection.
Roadside Assistance – this will provide reimbursement to you or a provider (depending on your policy) for situations such as towing, lock out service, battery jump start, or fuel delivery. Coverage is provided up to a dollar amount paid per occurrence, ranging from $50 to $200 per call.
Frequently Asked Questions
I have clients/customers that could really use your services, but I’m afraid of breaking privacy rules or upsetting them. What do you suggest?
As with any professional, I have strict privacy rules as well. There are a couple best practices I use to make sure I’m maintaining my clients’ privacy and also offering the expertise and professionalism they expect.
- First, ask them if they would be interested in speaking with a professional connection of yours regarding their insurance. If you have a specific reason for connecting us, this is a great time to mention it. You can also let them know that there is no obligation to purchase my products, but having a conversation with an expert in the industry never hurts.
- Second, ask how much information is ok to share. I offer this – “I can provide just basic contact information for the two of you to get in touch, or with your permission I can provide a little more detail to lessen the amount of time it takes to relay the information you have already given me to Tiffany. Which would be better for you?”
- If at any point your customer feels uncomfortable, stop! You can always offer my contact information and let them reach out at a more convenient opportunity.
I know someone who needs your help. What is the best way to refer you?
It depends on your relationship, and that person’s preferences. Some people are very happy with an e-mail introduction, while others prefer a phone call or face-to-face meeting. I can accommodate any of these options, and have online meeting capabilities. The most important thing is to make sure that they have my contact information and I have theirs as well. Insurance is one of those things that is easy to forget about or push to the back burner.
What happens if I need to make a change to my policy or file a claim and you aren’t available?
Here at i.e. Insurance, we want to be your primary point of contact for servicing your policies. Please call us at 724-719-2093 for any questions, concerns or adjustments to your policies. There are situations where we may not be immediately available, such as evenings and weekends. In that case, please utilize the service center phone number located on your insurance documents to reach the company who has underwritten your policy. Please don’t forget to check in with us on the next business day, as we always want to review any changes or updates to ensure you are properly protected.
What makes you different than any other agent?
Quite simply, the customer experience. I take the time to understand your needs and your current insurance, and also make sure you know the details of your policy and how it will protect you. If you are looking for an agent who truly cares about you and your family’s needs, get in touch with me to experience my service first-hand. I’m also your dedicated agent, so you won’t get routed to “the next available agent” if you have a claim; you will be speaking with me and my team.
Why do I have to provide so much information to get a price?
My goal is to provide you the most accurate pricing possible to enable you to make the best insurance decision. Since insurance policy cost varies based on your history and the coverage you choose, it is necessary to provide a full insurance picture to get an accurate price. Compare this to buying a home or car – would you make an offer on a house without knowing how many bedrooms it has or the condition of the roof? How about with a car – would you agree to purchase a vehicle for $2,000 if you didn’t know whether or not it was drivable?
Why are rates different with different companies?
Insurance is strictly controlled by each state’s insurance commission, which means that the company has to provide details as to how and what the insurance policies will be rated on and gain approval from each state’s governing body. Each individual company has many different filings and may rate different people on different aspects, depending on their desire to insure specific risks; their ability to write insurance in different states; and their previous claim payout history. Most people don’t realize that in order for an insurance company to be stable, they operate within a 3% margin, meaning that for every $1.00 they collect in premium from you and me, they have anticipated expenses of $0.97.
How do I pay for my insurance?
We offer an array of convenient billing options, many of which do not have monthly billing fees associated. For the complete list of preferred billing methods, or to change your current billing option, contact me.
When can I change my insurance to a different company?
With personal insurance policies, you are able to change your company at any time during the policy period. Most companies offer an early shopper discount, so think ahead when you start shopping for insurance instead of waiting until a couple days before your policy needs to begin.
What affects my insurance rates?
Many factors can impact insurance rates, some you can control and some you cannot.
Examples of things that you can control include claim and driving history, credit score, annual miles driven, safe driving habits, and the type of coverage you select. Things you really can’t control include rebuild cost of your home, cost to repair vehicles, industry changes in litigation and law, the number and severity of claims in your region or zip code, and lender insurance requirements. These uncontrollable aspects are usually the culprit when your insurance premiums increase year over year and you didn’t file a claim.