When you are a resident of the Milford, PA area, you will want to know that you have an efficient way to get around the community. One way that you can do this is by investing in a car or other vehicle. Along with your vehicle purchase, you should also get auto insurance. Those that have auto insurance can receive several types of coverage that can prove to be quite valuable.

Coverage to Replace Vehicle if Needed

One of the reasons you should have auto insurance is to have the support to replace your vehicle in some situations. If you have a stolen or damaged your car in an accident, the cost to replace it can be significant. Fortunately, you can do this if you have a collision and comprehensive insurance plan, as it will provide the resources you need in these scenarios.

Liability Protection

Vehicle owners are going to take on liability risk regularly. If you decide to invest in a full auto insurance plan, you will also receive liability insurance coverage, which can help cover your cause’s damages. This coverage will also be required by state law in Pennsylvania. If you do not have it, you could be penalized. 

If you are going to buy a vehicle in the Milford, PA area, you need to have proper insurance protection at all times. As you are looking for your next plan in this area, calling the RH Worthington Group can be a great option. There are some important factors to consider when looking for insurance coverage and RH Worthington Group can help ensure you make a wise decision. The team here can also help ensure you remain properly covered at all times with a plan that is ideal for your situation.

Pennsylvania is not one of the larger states, being 32nd, but when it comes to miles of roads, it is 19th with 250,000. It is a great place to ramble along the back roads and enjoy the scenery and history. Like most other states, Pennsylvania does mandate basic insurance coverage. If you live in or near Milford, PA, the RH Worthington Group is an independent agency that works for our clients. We make sure you have the right coverage for your needs and are in compliance with the law. 

You are required to have auto liability insurance. In Pennsylvania, it is 15/30/5. This is fundamental coverage, with $15,000 injury coverage for a single person maxing out at $30,000 per accident. Property damage is only $5,000. If you drive without auto insurance, you may be liable for the following penalties:

• A fine of at least $300
• Your license is suspended for 3 months.
• A loss of your vehicle registration for 3 months
• A fee to get your license back
• A fee to get your vehicle registration back

If your vehicle has an auto loan or is leased, there are other insurance requirements. The vehicle itself needs to be protected with comprehensive and collision coverage. 

But is the required insurance enough coverage to protect you? The simple answer is no. The liability insurance requirements are very low. The $5,000 property damage will leave you paying a lot of money out of pocket if you are the responsible party in an accident with anything but an old clunker. 

Talking to an insurance agent you trust can help make sure you are adequately protected. At RH Worthington Group in Milford, PA, we take the time to get to know our clients and make sure they have all the protection they need. Give us a call to set up an appointment for a no-obligation quote. 

Having a family of drivers can be a challenge. As your children become teens and get to the age where they will be getting drivers lessons and eventually their licenses, you may start to be concerned about how this will affect your auto insurance policy. Without a doubt, it will affect the rate you will pay for auto insurance, but can you add additional cars and drivers to your auto policy? Having an insurance agent whom you trust can make the whole process a lot easier. In Milford, PA, RH Worthington Group is the go-to agency. 

The answer to "Can I have more than one car on my auto policy" is yes! How many autos you can have varies from one carrier to another, however. Most families these days have at least two cars, but if you have several children, it could go as high as four or five. The number of drivers will also rise, maybe even higher than the number of cars. Not every carrier will be okay with these numbers. 

Choosing the right carrier is vital in these situations. If you have a carrier whom you prefer who doesn’t allow the number of cars or drivers you need on one policy, some of them will issue a secondary policy at a significantly reduced rate so they can work with you. 

The good news is we are independent agents, and we work for you, not one carrier. We have top carriers we can shop, and we can find the best coverage for your particular situation and at a price that works for you. At RH Worthington Group in Milford, PA, families are our business and your family in particular. If you have questions about auto insurance that we can help you with, give our office a call to talk to our team.