A: Your car insurance policy is your main source of compensation when you have sustained damage to your vehicle in an event other than a Pennsylvania car accident. If your car is stolen, damaged by natural disasters, or vandalized you must have comprehensive coverage to seek compensation for those damages.
Comprehensive coverage is offered as an option on all Pennsylvania car insurance policies. When setting this limit, you should take into consideration the value of your vehicle and plan accordingly to make sure your property is covered. In cases where your vehicle is financed or leased, the finance company will usually require this sort of coverage to protect their interests.
When your vehicle is damaged due to criminal offenses such as theft or vandalism, comprehensive coverage may let you recover the losses. Natural disasters such as fire, flood, and falling trees are also common damages covered by comprehensive coverage.
The particulars of your car insurance coverage are all detailed in your policy and will vary with different companies and your personal decisions. A Pennsylvania car accident attorney is typically not needed in cases such as these, as they are mainly settled with the insurance company alone.
When you purchase a car insurance policy in Pennsylvania you are only required to carry $5,000 in Property Damage Liability (PD) coverage. However, this coverage only applies to Pennsylvania car accident damages and does not cover non-accident damage.
Contacting a Pennsylvania Car Accident Attorney
An experienced Pennsylvania car accident attorney like the team at White & Williams LLC can negotiate with the insurance companies on your behalf so you can concentrate on recovering from your injures and getting your life back on track. Contact us today for a free case evaluation - 1-877-944-8396