Two highway signs on Pennsylvania 76 directing drivers to Philadelphia or Pittsburgh

Comprehensive Coverage in Pennsylvania – Plymouth Rock Assurance

Comprehensive coverage, as part of an auto insurance policy in Pennsylvania, is an important investment for those who own a vehicle and want to protect it. This specific coverage offers protection for damage to your car that is generally not covered under collision coverage. It is not a required coverage under state rules, though there are some situations in which you will need to maintain it.

What Does Comprehensive Insurance Coverage in PA Cover?

This particular type of auto coverage may help to pay for repairs or even to replace your vehicle if damaged or lost. Comprehensive coverage in PA may cover damage related to:

•    Fires
•    Theft
•    Vandalism
•    Falling objects (such as a tree falling on your vehicle)
•    Natural disasters and storms, including hurricanes and tornados
•    Damage caused by animals, including hitting an animal while driving
•    Damage from civil unrest such as riots
•    Glass breakage (such as windshield repair or replacement)

Comprehensive coverage does not cover damage to another person’s car or property that you cause. It does not cover any medical expenses, legal fees, or lost income. It also does not cover damage to your car if you strike an object or are involved in an accident, unless the accident involves hitting an animal.

Who Should Obtain Comprehensive Coverage

Pennsylvania does not require any driver to have comprehensive coverage. However, lenders and leasing companies require that you maintain comprehensive coverage if you have a loan on your vehicle or you are leasing it. It helps to protect their investment in the vehicle. This is the same reason most drivers need it, too.

If your vehicle were to be stolen, could you easily replace it? If not, you should consider the value of comprehensive coverage. If your vehicle does not have a high value or is a vehicle you are not interested in protecting, you may not need this coverage.

How to Choose a Comprehensive Auto Insurance Plan

Auto insurance providers in Pennsylvania offer a range of options for you to consider when obtaining comprehensive coverage. Consider the following:

•    Actual cash value will pay you what the vehicle is worth at the time of an accident if totaled. This is standard on policies with comprehensive coverage.  However, this may not be enough to cover the loan on your car.
•    Replacement value costs a bit more but covers the cost to replace your vehicle with a new model with the same features and styles.

You also can set the deductible where you would like it to be. Choose a value you are comfortable paying out of pocket if you need to file a claim. If you can increase your $500 deductible, for example, to $1,000, you may be able to reduce the cost of your coverage. 

Comprehensive coverage is most often a part of a complete plan to protect your investment. Most drivers need more than just a basic policy. You may also need:

•    Collision insurance to cover accidents in which your vehicle suffers damage by colliding with another car or object
•    Liability insurance to meet Pennsylvania auto insurance requirements
•    Underinsured and uninsured auto insurance to meet state requirements

To find the right type of comprehensive auto insurance in Pennsylvania, request a quote from our licensed insurance agents. Discuss all of the options available to you to ensure you get a policy suitable for your needs. You may even qualify for discounts. Read more information about why Plymouth Rock offers the best car insurance and who needs auto gap insurance.  

Call 855-993-4470, get your free quote online, or find an agent to learn more about comprehensive insurance coverage. Visit our contact us page if you need to call us with additional questions.