Auto insurance is one of the mandatory coverage that residents within Wayne, PA are required to have upon purchasing a vehicle. While numerous policyholders understand the basic coverage features, not all are aware of such information, especially if you are a first-time policy seeker. The Sirover Agency LLC can help with this, with the following guide detailing what auto insurance covers.

Property Damage Liability

The first item covered by auto insurance is property damage liability. If you are found liable for an accident that results in the other party’s destruction of property, auto coverage will help you take care of the repair and replacement costs. This can be damage to vehicles or other 3^rd party property such as buildings.

Bodily Injury Liability

Auto coverage will also help you pay for bodily harm that you cause during an accident. Bodily injury liability kicks in when other parties incur treatment costs, with this cover ensuring that such expenses are taken care of.

Medical Payments

Accidents will often leave you with injuries to cater to, an aspect that could lead to significant medical expenses. Auto insurance provides medical payments coverage, a policy that provides compensation for the costs of injuries. This policy also covers your passengers, helping them pay for their treatment expenses when they get injured.

Uninsured and Underinsured Motorist Expenses

When an uninsured motorist hits you, and you get bodily harm, or your vehicle gets damaged, uninsured motorist coverage helps you pay the ensuing costs. Underinsured coverage comes in handy when you get into an accident with a motorist whose coverage is not enough to cover your costs of medical expenses and property damage costs.

Collisions and Non-Collision Incidences

Collisions are also covered by auto insurance, with collision coverage coming in handy when you encounter impact accidents. Non-collision accidents are also covered by auto insurance, with a comprehensive policy helping you take care of emergencies related to fire, hail, theft, and vandalism.

If you need coverage designed to take care of your injuries or damage to 3^rd party property during your Wayne PA drives, auto coverage will be your go-to. Call The Sirover Agency LLC today to purchase auto insurance.

Learning to drive is a dream for many teenagers. However, teenage driving is associated with reckless driving due to their inexperience and immaturity. Therefore, it’s an excellent decision to come up with ways to make driving for your teen safer. 

For instance, you can help them develop safe driving skills. You can also get auto insurance personalized for teen driving to protect yourself against any accidents they may cause. The latter is what we’ll focus on— auto insurance for teen drivers. 

For residents of Wayne, PA, knowing the right insurance policy for teen drivers is not straightforward. That’s why there’s the need to work with The Sirover Agency LLC; a reputable insurance firm in the area. 

Teen Auto Insurance in Pennsylvania

For teens driving under the instructions of adults in Pennsylvania, they don’t need their own insurance policy. However, when they start driving on their own, they will need it. So, you’ll need to consider the insurance options available for teen drivers in the area. 

Since teen drivers are considered high-risk, insurance costs are likely to be higher than for adults. 

Requirements for Teen Driving in Pennsylvania

According to the state motor vehicle law, teen drivers should have a complete form DL-180, a document signed by a physician showing that the driver has no health issue that may affect their driving ability. They are also required to produce proof of identity and residency on top of passing a vision test. The teen is then granted a learners’ driving permit to serve for one year. For six months, the teen is required to be under the supervision of an adult. 

Ask the Pros

For a teenager, a driving license is a rite of passage to independence. However, as a parent, you need to remember that driving for teenagers comes with a high risk of causing accidents. Therefore, you need to get a customized auto insurance policy to protect the teenager, the car, and third parties from bodily harm and property damage.

For parents in Wayne, PA, The Sirover Agency LLC is ready to take the stress of choosing the right auto insurance coverage from you. We have a team of professionals who understand the coverages that suit teen drivers. Get in touch today.

When you are in the Wayne, PA area, there are many different insurance needs that someone will have. If you have a car in this area of Michigan, one important form of insurance you will need is auto insurance. Several factors should be taken into consideration when you are looking for a new auto insurance policy here. 

Liability Insurance Requirements

One factor that you should consider when looking for auto insurance is your liability insurance needs. Those that are in Pennsylvania need to make sure that they carry liability insurance at all times as it is required by law. When you are looking for insurance, you need to at least comply with the state minimum requirements. However, there are plenty of situations when having more coverage will be a good decision for peace of mind. 

Protection for Asset

Another factor that you should think about when you are picking an auto insurance policy is to consider your asset protection. When you are looking for auto insurance, you will want to get a collision and comprehensive insurance policy to protect your asset. This is a good idea to get if you have a valuable vehicle that you want to protect or have taken out a loan to buy.

Anyone in the Wayne, PA area with insurance needs for their car should call The Sirover Agency, LLC. If you are in contact with The Sirover Agency, LLC, you will receive a lot of support that you need to choose a policy. The team here will help you find a policy by carefully assessing your needs and building a plan around them.