If you live in Bethlehem, Northampton County, or anywhere else in the state of Pennsylvania and want to drive a car, you must have auto insurance. Pennsylvania state insurance laws require you to carry a minimum amount of bodily injury and property liability insurance to help cover any liability you may have to other people should you be involved in an accident.
The required minimum coverage of $15,000 for one person and $30,000 for all people in a single accident may be adequate for minor accidents, but hardly enough if you get involved in a major accident where many people are hurt. If, for example, you hit a public transport vehicle like a city bus, your liability could soar into the millions.
Injuries caused to people on public transport are covered up to the limit of your liability coverage on your personal auto insurance policy. If your liability coverage is not enough to pay for any valid claims filed against you, your Bethlehem house and all of your personal assets could be at risk.
Car liability insurance covers any accident, whether it is to a public transport vehicle, a commercial truck or a passenger vehicle. The big issue is whether or not you have a sufficient amount of liability coverage, especially if you are found to be at fault in a major accident that injures or kills many people.
As your independent agent, we always stress the importance of having the right amount of auto insurance coverage. You should consider the consequences of not having enough liability insurance to cover major accidents with multiple injuries. Not only could your home and other assets be put at risk, but you may even have to make payments for years to compensate the accident victims for their injuries.
Please give us a call and an independent agent will be happy to review your policy and see if you are property insured and well-protected just in case an accident happens.