Auto Insurance
The insurance protection you need when you’re on the move
right here in Scranton PA!
-
Auto Insurance – Get the right insurance coverage for your car, truck, van or other vehicles.
-
Motorcycle Insurance – Ride safe and insure your motorcycle.
-
ATV and Motorsport Insurance – Insurance policies that cover all your toys.
-
Classic Car Insurance – Your classic car is an icon. Insure it well.
-
RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
-
Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
Mistakes happen!
As a company, we understand this. Which is why we represent companies who work with those who have:
​
-
Suspended License
-
Foreign / International License
-
Accidents
-
Tickets
-
Less than perfect Credit
-
Many More
What happens if I don't have insurance?
​
-
Drivers must purchase and maintain car insurance in order to legally drive in Pennsylvania. Under Pennsylvania law, this is called maintaining “financial responsibility” on your vehicles.
-
A lapse in insurance coverage may result in the suspension of your vehicle registration privilege for three months, unless the lapse of insurance was for a period of less than 31 days and the owner or registrant proves to the Department of Transportation (PennDOT) that the vehicle was not operated during this short lapse in coverage.
-
If you are stopped for a moving violation or it is determined that you are operating your vehicle without insurance, you could face the following penalties and expenses:
• A minimum of $300 fine for driving uninsured
• A three-month suspension of your vehicle registration
• A three-month suspension of your driver’s license
• Restoration fees to restore your vehicle registration
• Restoration fees to restore your driver’s license
• Vehicle impoundment
In addition, your vehicle may not be driven by anyone while the registration is suspended.
Minimum Coverage
​
What is the minimum required insurance coverage needed to own and operate a vehicle in Pennsylvania? The minimum required coverages in Pennsylvania are:
• Medical Benefits — This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available.
• Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/ $30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
• Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage. Some companies offer a single limit of $35,000, which meets the bodily injury liability and property damage liability minimum requirements.