Customized Auto Insurance
for the Somerset, PA, Area
Offering Car Insurance, Motorcycle Insurance, Boat Insurance, and More
Get affordable, customized auto insurance in and around Somerset, PA, with Independent Insurance Associates Inc. When you need personalized auto insurance policies, contact us for numerous options and the best possible coverage. Our insurance agency in Somerset, PA, offers excellent rates on a variety of policies. We will work with you to find the best insurance carrier and the right level of coverage for your individual needs. Call (814) 443-4438 for more information or to schedule an appointment.
Independent Insurance Associates Inc Has Policies for Various Vehicles Like:
Our Car Insurance Policies Include Coverages that Meet State Minimum Standards
The numerous auto insurance companies that work with Independent Insurance Associates Inc offer various levels of coverage. Our professional and knowledgeable agents can find exactly what you need for whatever vehicle you need to insure. While the coverages we offer differ, every policy will always meet state minimum standards. The minimum required coverage in Pennsylvania includes property damage and bodily injury liabilities, medical benefits, and full or limited tort.
Property Damage Liability
If the policyholder is at fault for an accident with another person, property damage liability covers the other party’s property. This includes vehicles, houses, lawns, mailboxes, and more. The minimum limit in Pennsylvania is $5,000.
Bodily Injury Liability
Bodily injury liability coverage protects car insurance policyholders financially. It alleviates the policyholder from paying out-of-pocket for others’ injuries that result from an accident involving their vehicles. In Pennsylvania, the minimum limit is $30,000 for one accident and $15,000 for injuries to one person. Often, insurance companies include a combined limit of $35,000 to cover both bodily injury liability and property damage liability requirements.
Medical benefits cover medical bills which result from accidents involving the insured vehicle. In Pennsylvania, medical benefits are also known as Personal Injury Protection (PIP.) PIP usually includes paying for medical costs, funeral costs, lost income, and any potential death benefits. This benefit generally covers both the policyholder and any person occupying the insured vehicle at the time of the accident.
Full or Limited Tort
A tort is an act that results in harm or injury to another party and includes legal consequences. Limited tort means nobody can sue the at-fault driver for anything beyond what the insurance policy covers. Full tort means injured parties can sue the at-fault driver for both compensatory damages and pain and suffering.
Excellent Rates for Renter’s Insurance, Agricultural Insurance, and Other Options
When you contact us at Independent Insurance Associates, you also receive personalized lines of insurance coverage for your business. If you have a farm, we even have agricultural insurance options. We also offer excellent rates on a variety of homeowners insurance, renter’s insurance, life insurance, and more.