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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:

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  • Suspended License

  • Foreign / International License

  • Accidents

 

  • Tickets

  • Less than perfect Credit

  • Many More

What happens if I don't have insurance?
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  • 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
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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.
 

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