Pennsylvania (PA) Insurance - Pennsylvania Auto, Home, Life Insurance

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 Frequently Asked Questions

What are the basic types of auto insurance coverage?

    Bodily Injury Liability, which provides coverage for bodily injury claims from the people you might injure in an accident.

    Property Damage Liability, which covers any property damages to third parties -- such as another person's car you damage -- which you cause or are responsible for.

    Medical Payments to the policy owner and other passengers in the policy owners car.

    Uninsured and Underinsured motorist coverage, which protects you when the negligent driver has no insurance or insufficient insurance (in most states, this covers only bodily injury losses -- though some states also include property damage losses).

    Physical Damage covers damage to your car.

    Collision, which covers losses to your car when you are involved in a collision.

    Comprehensive, which covers most non-collision physical damage to your car (if your car is damaged in a storm, or a windshield breaks, for example).

What is a deductible?

The deductible is the amount you must pay toward a claim before your insurance begins to pay. For example, if you have a $500 claim and your policy has a $100 deductible, you will pay $100 and your insurance will pay $400. Selecting higher deductibles is one way to reduce your premiums. Of course, you must decide whether the monthly savings are worth the risk of paying more in the event of an accident.

I already have car insurance. Are there any ways to cut my costs?


    Consider your insurance as a backstop against major losses, not a way to pay for minor fender benders. Select larger deductibles, making sure you have adequate savings to pay the deductible amount if you have an accident.

    Eliminate coverage you no longer need, such as comprehensive and collision for old cars that do not have much value and are not being financed. But be careful. There have been instances where some people dropped the non-required coverage for cars that no longer are being financed when they still had significant value. They then sustained heavy losses when an uninsured driver demolished their car.

    Take advantage of discounts that might be offered by your company for driving education, safety devices, multiple vehicles, security devices, annual/low mileage, retiree, anti-lock brakes, accident free record, non-smoker, preferred driver, and many more.

What kinds of risks does homeowner's/renter’s insurance protect you against?


    Damage or loss to the home itself, as well as other structures on the land.

    Damage or loss to the items of personal property in the home and other structures.Injury or harm to third parties (typically guests and others who come to your home).

The major risks covered by renter's insurance are damage or loss to items of personal property contained in the residence and liability to third parties who are injured while in the residence.

The particular risks covered depend upon the type of policy purchased, as discussed below.

Why shop? Aren’t all standard policies alike?


There are a number of standard packaged insurance policies available, but not all insurance policies are the same. The bottom line -- not all insurance policies are created equal. Even a standard, broad form insurance policy issued by one insurance company can be very different from the same broad form insurance policy offered by a competitor. The differences often come as a result of how each insurance company "packages" its policy - there are a variety of ways in which an insurance company can put together an insurance policy, their underwriting criteria and standards, and customer service.

Do I need to give personal information to get insurance?


Yes. Insurance companies require information about you and your property. The insurance company needs to know that you have an "insurable interest" in the property; that is, that you have an ownership interest in the property that is worth protecting. To determine the insurance interest in property, lots of personal information is necessary. Our privacy policy ensures that your personal data will be handled securely and will not be sold or shared with others.


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Policies underwritten by the companies of the AAA Mid-Atlantic Insurance Group are issued by AAA Mid-Atlantic Insurance Company or Keystone Insurance Company. Other policies are underwritten through other insurance carriers. All policies are subject to policy terms, underwriting guidelines and applicable laws. Applicants for many products are individually underwritten and some applicants may not qualify for all coverage, benefits or discounts.