Auto Insurance

Protecting car, truck, and motorcycle drivers in Hanover, Pennsylvania, and surrounding areas.

Shopping for auto insurance is not an enjoyable task, but just like home insurance, it is an important one. Finding the right auto insurance policy for your car, truck, SUV, or motorcycle starts with finding the right independent insurance agency. Rumbaugh Insurance represents multiple highly-rated auto insurance carriers that know how to properly protect drivers in Hanover, Pennsylvania, and the surrounding areas.

You rely on your vehicle to get you to work, home, and every trip in between. It is a vital part of your daily activities. Even the most careful drivers can have their lives turned upside down by an auto accident. Make sure you pick an auto insurance policy that protects you, your family, and your assets during these unexpected incidents.

How much insurance do you need?

Auto insurance requirements vary by state. Pennsylvania drivers can count on Rumbaugh Insurance to help guide you to choose the coverage based on your specific requirements and needs.

Auto Risks:
There are several types of auto risks you face daily living in Pennsylvania.

1. Road conditions. Potholes and poor roadways can cause havoc on your car or truck. In some cases, vehicles have gotten stuck or gone off-road, causing damage as a result.

2. Reckless drivers. You can’t control how other drivers navigate the roads. Wrecks caused by reckless and uninsured drivers leave you open to financial damage and stress.

3. Other hazards. Deer and other uncontrollable factors like flying rocks/stones can damage your vehicle unexpectedly.

Auto Insurance:

Review these five important coverage features when shopping for new auto insurance.

• Comprehensive Insurance: Comprehensive insurance pays for damage to your vehicle not caused by a collision. Theft, vandalism, hail damage, or hitting a deer are common Pennsylvania auto incidents that fall under this category. This coverage is required by all lienholders.

• Collision Insurance: Collision insurance pays for damage to your vehicle resulting from a covered accident. It pays the cost of repairs or to replace your vehicle up to the fair market value. This insurance coverage kicks in after your auto insurance deductible is met and is required by lienholders.

• Liability Coverage: Automobile liability coverage pays for damages of a covered accident that you are found at fault for causing. This coverage pays for property damage and medical bills resulting from the accident. Most states have a minimum limit required for all drivers. To be fully protected, we suggest you carry more than the required limit to alleviate any financial burden.

• Uninsured and Underinsured Motorist Coverage: Even though insurance is required in most states, there are still drivers that choose to skip purchasing or maintaining coverage. 6.5% of Pennsylvania drivers don’t carry auto insurance, according to a recent study. Uninsured and Underinsured motorist insurance coverage pays for damages resulting from another driver’s negligence when they don’t carry adequate insurance limits.

• Personal Injury Protection: Personal injury protection is mandatory coverage for Pennsylvania policyholders. Drivers are required to carry $5,000 in medical payments.  In addition, Pennsylvania drivers can also add first-party benefits coverage, which pays for lost wages, funeral benefits, and extraordinary medical expenses. With skyrocketing health costs and the risk of not being able to work, it is a coverage you can’t afford not to carry.

Other Features:

Additional features you want to look for on an auto insurance policy include:

• Roadside assistance.

• Rental reimbursement.

Teen Driver Insurance

Adding a teen driver to your household is a big step and can change your auto insurance needs. Adding a ‘Permit Driver’ doesn’t cost more, but once your teenager becomes a licensed driver, they need to be added to your auto insurance policy if they live in your household. Inexperienced drivers are statistically at higher risk for liability and collision claims, which can result in higher premiums. 

Your teen may qualify for discounts based on factors such as good grades.

Rumbaugh Insurance can help you understand your options and find coverage that fits you.

Collision vs. Comprehensive Insurance

Collision and comprehensive insurance both help protect your vehicle, but they cover different types of damage. Collision insurance helps pay for damage to your vehicle when you collide with another vehicle or object, such as a mailbox, tree, or building. Comprehensive insurance covers damage from non-collision events, such as theft, vandalism, hail, falling objects, or hitting a deer. 

Knowing the differences between collision and comprehensive coverage can help you choose the right protection for your vehicle. Both coverages are also commonly required by a lender or lienholder when you finance or lease a vehicle.

Full Tort vs. Limited Tort

Pennsylvania drivers can choose between full tort and limited tort coverage. Depending on which coverage you choose, it can affect “if” or “how much” compensation you can receive if injured by another driver.

With full tort coverage, you maintain an unrestricted right to seek compensation for injuries, including pain and suffering and other non-economic damages. Limited tort generally restricts your ability to recover compensation for pain and suffering unless your injuries meet certain requirements or an exception applies. (E.g., you are a pedestrian, the ‘at-fault’ party was cited for operating while under the influence, the other party was operating a commercial vehicle, the other party was operating a vehicle registered in a state other than Pennsylvania, or if the other party injured you as an intentional act.)

Limited tort may offer a lower premium, but it also creates restrictions on the damages for which you can sue the negligent parties in certain situations.

Because your tort selection can have important consequences after an accident, it is worth discussing your options with an insurance professional before choosing coverage.