Category: Auto insurance

About Cranberry Township Auto Insurance

Auto insurance is coverage for automobiles, trucks, motorcycles, boats, and other road-moving vehicles. Its primary function is to offer financial protection against bodily damage or physical injury resulting from vehicular traffic accidents and against possible liability that may also arise out of various incidents in a car. It can cover repair expenses, payment of medical bills resulting from automobile-related accidents, and the legal costs arising from such accidents. These are all important because the cost of repairing an automobile that gets damaged due to a road accident would be very expensive.Get the facts about Cranberry Township Auto Insurance

Every state requires car owners to have at least bodily injury liability insurance. This is required by law in every state. This means that it is mandatory for you to have this coverage in case you get into an accident that is attributed to the negligence or wrongdoing of another driver. A good example of this would be if your vehicle gets hit by a drunk driver.

There are different types of auto insurance coverages that you should know about. There are personal auto insurance coverages, which cover the policy holder for damages to properties and bodily injury due to vehicle-related accidents. Bodily injury liability insurance typically comes with a deductible. The deductible is the amount you need to pay for repairs and for the fees of a personal injury lawyer in the event that you get sued for a traffic accident. There are also comprehensive auto insurance coverages. These types of coverages are typically the most expensive ones because they offer the most comprehensive coverage amounts for your vehicle.


Auto insurance is necessary immediately after you buy a new vehicle. State laws have made it mandatory to get a policy before you apply for the vehicle’s registration. Auto coverage is also vital due to increased traffic and accidents on the roads. MEY’S INSURANCE SERVICES – notary public is an excellent resource for this. Here are some tips to help you buy automobile insurance so you can make a wise decision.

Policy Coverage

Before buying any general auto coverage policy, you should understand the coverage offered by it. Will the auto policy cover only you or will it also cover your passengers? Will the company pay for all the passengers or only for you and your family members in case of an accident? What will be the response if your son or daughter is driving your car? These are some of the questions you might ask before making any decision about purchasing a protection policy.

Auto Insurance Policies

When you approach companies, they will offer you many options. You will have to choose the one that suits you best. You will choose a policy that is better for you if you have proper knowledge about protection policies. Some important things to know include the following. Third party insurance or liability insurance is the lowest form of insurance from all the general policies. You have to pay a minimal premium for this type of protection policy. The company pays for damage to a third party affected by accident of the vehicle insured. The amount to be paid is decided beforehand when you buy this type of auto insurance policy.

Comprehensive insurance and full comprehensive insurance are the auto insurance policies that provide more coverage than third party insurance. In this case, you and your vehicle are fully covered. The auto insurance company pays for the repairs of the vehicle insured in case of an accident. The auto insurance company may also offer you market value of the vehicle if the repair estimates are too high. You will have to pay an extra premium if you opt for a full comprehensive auto insurance policy.

Similarly, personal injury protection, medical pay and no fault coverage vary in terms of coverage and premium. A personal injury protection insurance policy may be mandated by your state laws, so check before purchasing your policy. A medical pay auto insurance policy covers all of the medical expenses in case of an accident or collision of the vehicle insured.

A no-fault coverage insurance policy may be a better option for you, as the insurance company will pay the damage costs regardless of who is at the fault. You may feel satisfied by opting for this type of insurance policy, as all your family members and friends are covered with this policy.

An uninsured or under-insured motorists’ coverage automobile insurance policy is another option for you, which will cover you in all cases whether the person at fault is insured or under-insured. Chances are that you still do not have to pay extra for this coverage.