Auto Insurance

Protecting you on the road.

Car and truck insurance secured in Northeast Philadelphia.

Home » Personal Insurance » Auto Insurance

According to Driver Knowledge, there are over 6 million car accidents each year in the United States. This daunting number is why it’s so important to purchase a good auto insurance policy. While Freedom Insurance Group, Inc. is located in Philadelphia, we offer coverage to all Pennsylvania residents, including those in Montgomery County and Bucks County, and those in New Jersey.

Overview of Auto Insurance

Auto insurance offers financial protection if your vehicle is ever involved in an accident, stolen, damaged in a natural disaster, or vandalized. To afford this protection, vehicle owners pay monthly, bi-annual, or annual premiums to an insurance company so that if your vehicle is damaged, you don’t have to pay out of pocket. While the exact details of your coverage depend on the minimum coverage requirements for your state, most basic auto insurance policies cover:

  • Property damage and bodily harm that is caused by an auto accident
  • Vehicle damages
  • Medical bills and funeral expenses caused by an auto accident

What Is the Minimum Required Coverage?

Every state in America, besides New Hampshire, requires drivers to have some sort of minimum auto insurance coverage. The minimum coverages that most states require are property damage liability insurance and a minimum amount of bodily injury liability coverage. If you fail to purchase the minimum amount of coverage required in your state, you could:

  • Get your license suspended
  • Receive fines
  • Go to jail

The minimum auto insurance required in Pennsylvania is:

  • Injury liability coverage: $15,000 per person, $30,000 per accident
  • Property liability coverage: $5,000
  • Uninsured motorist coverage: $15,000 per person, $30,000 per accident

The minimum auto insurance required in New Jersey is:

  • Property damage liability: $5,000
  • Personal injury protection: $15,000
Interactive Graphic

Click it. Read it. Cover it.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

How Can Auto Insurance Protect You?

Auto insurance protects you financially from the costs of damage to your vehicle and any accident-related injuries, as well as damages and injuries to another party if you’re found liable. While this is the minimum coverage offered under most auto insurance plans, you can buy extra protection from your auto insurance provider to protect against a wider range of incidents.

What Is Needed to Start My Quote for Auto Insurance?

At Freedom Insurance Group, all you have to do to start your quote is fill out our online form or give our team a call. To complete our online form, you’ll need to provide your name, email, phone number, and a descriptive summary of what you’re looking for. After you submit your online insurance quote form, one of our agents will contact you to discuss your auto insurance options.

Auto Insurance - View of a Cheerful Family Driving in a Car During a Road Trip

Contact Freedom Insurance Group

With over 50 years of experience, our team of licensed insurance representatives proudly serves New Jersey and Pennsylvania, including Bucks County and Montgomery County. We review customer policies every six months to ensure you get the best deal. Contact us today to learn more about auto insurance and all the other types of insurance we offer.

Get a Quote

Get an Instant Quote

Receive an instant quote for your home and/or auto insurance.

Start Now

  Auto Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!