Reading, PA Auto Insurance

Richard I Hart Insurance

At Richard I Hart Insurance, our Insurance Professionals can review your current insurance and make suggestions and explain your coverages to you.

Pennsylvania Auto Insurance is very complex and there are many options available. Contact our office and we will review all the coverage options with you and help you select the best coverage for your family.

Pennsylvania offers the following coverages:

  • Bodily Injury Liability - If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable.
  • Property Damage Liability - If you damage someone's property in an accident and you are at fault, this coverage pays for it.
  • Limited or Full Tort - You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages - such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705(d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.
  • Uninsured Motorist (UM) - This coverage applies to you, your family and your passengers for bodily injury if you are hit by an at-fault uninsured motorist. This does not cover damage to property.
  • Underinsured Motorist (UIM) - This coverage applies to you, your family and your passengers for bodily injury if you are hit by an at-fault motorist who does not have enough insurance to cover your claim. This does not cover damage to property.
  • Stacking of UM or UIM - This coverage allows you to either multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy or to receive uninsured or underinsured motorist coverage from more than one policy under which you are insured. It costs extra to stack uninsured or underinsured motorist coverage.
  • Funeral Benefit - This coverage pays, up to a certain dollar amount, money for funeral expenses if you or a family member dies as a result of an auto accident.
  • Income Loss - This coverage pays a portion of your lost wages when injuries sustained in an auto accident keep you from working.
  • Collision - This benefit pays to repair damage to your car as a result of an accident. Most banks or lenders require you to buy this coverage to receive a car loan. Under Pennsylvania law, the insurance company applies a $500 deductible unless you request a lower amount. Generally speaking, the higher your deductible, the lower your premium.
  • Comprehensive - Generally, this pays for theft or damage to your car from hazards including fire, flood, vandalism or striking an animals. Most banks or lenders require you to buy this coverage to receive a car loan. There are various levels of deductible that may be purchased.
  • Medical Benefits - This coverage pays for medical bills up to $100,000.
  • Extraordinary Medical Benefits - This coverage pays for medical and rehabilitation expenses that exceed $100,000. It provides a maximum of $1 million of coverage.
  • Accidental Death Benefit -This is a benefit paid to the personal representative of an insured if the bodily injury from a motor vehicle accident results in death within 24 months of the date of the accident.
  • Rental Reimbursement Coverage - This pays for an individual's expenses, up to the limit on their policy, to rent a vehicle if they have covered comprehensive or collision loss.
  • Towing Coverage - This reimburses an individual, up to the limit on their policy, for towing and labor costs for a covered disabled vehicle. This coverage is usually only available if comprehensive and collision is carried on the vehicle.
  • Gap Coverage - This pays the difference between an insurance company's payment for a totaled vehicle and the balance of a vehicle loan. This coverage is traditionally only available when an individual is purchasing a new vehicle.

Richard I Hart has several different companies that write Motorcycle Insurance.

We can tailor a policy just for you. Our companies offer the following specialized coverages so we can provide coverage for our customer's specific needs:

  • Accessory coverage
  • Transport trailer coverage
  • Roadside assistance
  • Comprehensive and collision coverage
  • Bodily injury/property damage liability
  • Uninsured/underinsured motorist coverage
  • Medical payments
  • Trip interruption
  • Total loss coverage
  • Rental vehicle coverage
  • On-road coverage for off-road vehicles

Our companies also offer many discounts:

  • Homeowner discount
  • Multi-policy discount
  • Multi-vehicle discount
  • Responsible driver discount
  • Safety course discount
  • Transfer discount
  • LoJack® discount
  • Motorcycle endorsement discount
  • Paid-in-full discount
  • Prompt payment discount
  • Claim-free renewal discount

Recreational Vehicle (RV) Insurance:

At Richard I Hart Insurance, we can offer our customers comprehensive RV programs with specialized coverages and competitive prices.

Our company's RV program is designed to accommodate almost all our customers' recreational vehicles from pop-ups to coaches. We can cover motor homes up to $500,000 in value and travel trailers up to $300,000 in value.

Our company can provide coverage for our customer's specific needs with policy options, including:

  • Total loss replacement - replaces a "totaled" RV with a new model of similar make and quality
  • Emergency vacation expense - provides up to $2,000 for lodging and transportation if an RV is damaged during a trip
  • Disappearing deductibles - reduces the deductible by 25 percent at each claim-free renewal
  • Full timer's package - extra coverage for customers who use an RV as their home
  • Replacement cost personal effects - protects the insured's personal items including cameras, clothes, cell phones, etc.
  •  24-hour roadside assistance - provides assistance for disabled vehicles - and we'll be sure to send a tow truck that can handle your customer's RV
  • Windshield coverage - new $0 deductible option for a replacing a damaged windshield
  • Free pet injury coverage - pays up to $1,000 toward veterinary fees or the pet's replacement

Our companies offer the following numerous discounts, including:

  •  Multi-policy discount
  • Original owner discount
  • Responsible driver discount
  • Claim-free renewal discount
  • Paid-in-full discount
  • Prompt payment discount
  • Small claim forgiveness

Watercraft Insurance:

Our agency has companies that can provide a comprehensive boat program with specialized coverages and competitive prices.

We can insure fishing boats, runabouts, personal watercraft and boats up to 50 feet in length and $250,000 in value.

A homeowner's endorsement can't cover you like a separate watercraft policy. Our companies can provide coverage for your specific needs with policy options like:

  • Total Loss Replacement - replaces insured's boat with a brand new one of similar make and quality
  • Disappearing Deductibles - reduces the deductible by 25 percent at each claim-free renewal
  • Replacement Cost Fishing Equipment - up to $10,000 for tackle, rods, and reels
  • Replacement Cost Personal Effects - protects the insured's personal items including cameras, clothes, cell phones, etc.
  • 24-hour Roadside Assistance - covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance
  • Emergency Towing and Labor - provides on-water towing service
  • Wreckage Removal Coverage
  • Property Damage Liability - includes coverage for fuel spill cleanup
  • Medical Payments - includes coverage for water skiers

Our companies have great rates for newer boats, as well as married and mature operators. Our customers can also benefit from the numerous money-saving discounts, including:

  • Homeowner discount
  • Idle Assisted Steering discount
  • Multi-Policy discount
  • Multi-Boat discount
  • Original Owner discount
  • Responsible Driver discount
  • Safety Course discount
  • Transfer discount
  • Claim Free Renewal discount
  • Paid-In-Full discount
  • Prompt Payment discount
  • Small Claim Forgiveness

Call us today at 610-779-3116, and one of our insurance professionals can review your insurance needs and provide you with a free insurance quote.

[Alt]
© 2014 hibu,Inc.  All Rights Reserved | Privacy Policy