Why You Need Vehicle Insurance

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Besides being mandatory in Pennslyvania, having a well-thought out Automobile Insurance Policy can provide the Security and Peace of Mind you want.
With a policy that's been set up with your needs in mind, you will drive confidently knowing you and yours are well-protected.
Most vehicle types, whether they have two, three, four or more wheels share many of the same exposures and risks. That means that they also need and share many of the same coverages. Regardless of the type of vehicle, you can still cause serious injury or death, or you may cause substantial damage to someone else's, or even your own, property.
At the Furgiuele Agency, we strive to ensure that you are always properly protected.

Torte Options

1

Tort

Pennsylvania Automobile Insurance contains a Tort option that regulates your ability to sue for any bodily injury sustained in an accident.
2

Full Torte

With the Full Tort option, you are able to sue the responsible party for any and all injuries, regardless of severity.
3

Limited Torte

Under the Limited Tort option, certain restrictions may apply, limiting the conditions under which you may sue. Because of these limitations, the cost of a policy with the Limited Tort option will be less than the Full Tort version.

Available Coverages

Liability Coverages

Bodily Injury Liability*

Protects the vehicle owner and operator in the event of accidental injury or death for which you are responsible.

Uninsured/Underinsured Motorists

Gives you a place to turn to for financial help for your Bodily Injury (only) if the other driver doesn't have insurance (uninsured) or doesn't have enough insurance (underinsured) to pay your expenses.

Medical Payments*

Pays for any and all medical expenses arising from the use of an automobile, regardless of fault. The injury can be from driving, hit while walking, changing a tire, or even washing a car (regardless of who owns the car). Pays from first dollar (no deductible, no co-pay) up to your selected limit.

Income Loss

Replaces some income lost due to an Automobile-related injury.
Liability Coverages

Bodily Injury Liability*

Protects the vehicle owner and operator in the event of accidental injury or death for which you are responsible.

Uninsured/Underinsured Motorists

Gives you a place to turn to for financial help for your Bodily Injury (only) if the other driver doesn't have insurance (uninsured) or doesn't have enough insurance (underinsured) to pay your expenses.

Medical Payments*

Pays for any and all medical expenses arising from the use of an automobile, regardless of fault. The injury can be from driving, hit while walking, changing a tire, or even washing a car (regardless of who owns the car). Pays from first dollar (no deductible, no co-pay) up to your selected limit.

Income Loss

Replaces some income lost due to an Automobile-related injury.
* Mandatory Coverages in PA - Minimum Limits Apply