Welcome to the Helwig Insurance Agency, located in Indiana, Pennsylvania
We offer you personal and commercial insurance coverage “from a name you can trust.” We are a firm of dedicated insurance professionals committed to providing our clients with caring, thorough, and highly personalized service. Here at our site, you will find information about our insurance agency, our staff, and the various types of insurance and financial services we offer.
You may also request additional information about specific insurance coverages, request a personalized insurance quote, or ask us any questions you have regarding your insurance. Your inquiries are always welcome. To speak with one of our agents, please call us at 724-465-5514, Monday – Friday between 8:30 a.m. and 5:00 p.m. For your convenience, you may also reach us by fax at 724-465-9901; or e-mail us at email@example.com.
Thank you for visiting our website! We look forward to hearing from you.
Insurance was created to offer protection and peace of mind, even when life is unpredictable. As your hometown team of trusted insurance professionals, we help you balance the realities of your budget with the need to make smart choices. At the Helwig Agency, we take the time to learn about you, your family, and your business. We want to understand your needs and priorities, so we can find the policy that’s right for you.
Everyone worries sometimes. We all ask ourselves, “What if this happens?” or “What if that happens?” Trust us to help answer those questions! It’s impossible to always know what the future may bring. But with the Helwig Agency, you’ll know you’re protected. And that peace of mind is what we want to help you create.
Here are some frequently asked questions, and the answers, to help you get started. Please keep in mind that this is general information only, and that speaking to a trusted insurance professional is vital in order to determine which insurance is the best fit for you.
What is an insurance policy?
Insurance policies are contracts between you (the customer) and an insurance company. You pay a fee (“premium”) to the insurance company in exchange for a set of coverages selected to meet your specific needs and budget. Your policy explains in detail what is covered (meaning, in what situations you will receive an insurance payout). The policy also tells you how much coverage you have, in dollar value. Insurance is generally divided into Personal (for your private/home needs) and Commercial (for your business needs).
What is personal insurance?
Personal insurance covers your personal car(s), the place you live, specialty vehicles you own (like boats, RVs, motorcycles, or campers), and other personal needs like flood insurance and life insurance, among other things. Please read on for more details about the different kinds of personal insurance coverage.
What are the different kinds of personal insurance, and how do I know if I need them and how much coverage I should have?
We’ve provided a list of personal insurance types and some main points about each one. Deciding which type(s) of insurance you need, and how much coverage you should have, can be confusing or even overwhelming at first. That’s why we’re here: to make sure we learn about you and ask the right questions. We’ll explain your options and help you clarify your priorities – then find you a policy that is appropriate and affordable.
Automobile – Auto insurance is designed to protect you in various situations, such as if you cause injury to others or damage their property in an auto accident. It can also provide protection if you are hurt in a collision, or if your car is stolen or damaged.
In general, when choosing your auto insurance, it’s a good idea to look at your income and net worth. How much could you lose if you are ever found liable for an accident? The greater your assets, the more coverage you may want to consider. Other considerations include how many drivers are in your family, the age and driving record of those drivers, how many vehicles you own, and how much those vehicles are worth.
Some auto insurance types may be required by law; others are optional. Please ask us about the laws and coverages where you live.
Want to learn more? Here are the most common types of automobile insurance coverage:
- Bodily injury liability is for injuries you cause to someone else; it also provides coverage to defend you if you are sued after an auto accident.
- Medical payments or Personal Injury Protection (PIP) is for treatment of injuries to you (as the driver) and the passengers of your car; it also covers you as a pedestrian if you are hit by a vehicle.
- Property damage liability is for damage you cause to someone else’s property.
- Collision coverage is for damage to your car from a collision.
- Comprehensive coverage pays for damages to your vehicle resulting from a covered loss “other than collision.” These loss types include fire, theft, vandalism, or contact with persons, animals, birds, or falling objects.
- Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance
- Underinsured motorist coverage steps in when you’re in an accident with an at-fault driver whose liability limits are too low to cover the damage. This is not coverage for your auto, but rather for things like unpaid medical expenses and pain and suffering.
What is an auto policy deductible and how do I choose one?
A deductible is the amount you must first pay out-of-pocket before certain coverages kick in. In auto insurance, deductibles are only applicable to certain coverages, such as comprehensive or collision. We can help you choose an amount you are comfortable paying, at your own expense, in the event of an accident or other loss. A higher deductible should lower your premium, so creating your ideal policy is about balancing affordability and protection.
What is Limited Tort vs. Full Tort automobile insurance coverage?
It’s important to also understand that the laws of the Commonwealth of Pennsylvania give you the right to choose either a “Limited Tort” or “Full Tort” option. Limited Tort limits your right and the rights of members of your household to seek financial compensation for injuries caused by other drivers. Policyholders may seek recovery for all medical and other out-of-pocket expenses, but not for pain and suffering or other nonmonetary damages, unless the injuries fall within the definition of “serious injury,” as set forth in the policy, or unless one of several exceptions noted in the policy applies. The other option, Full Tort, allows you to maintain an unrestricted right for yourself and other members of your household to seek financial compensation for injuries caused by other drivers. Covered persons may seek recovery for all medical and other out-of-pocket expenses and may also seek financial compensation for pain and suffering, and other nonmonetary damages as a result of injuries caused by other drivers.
What about my RV, motorcycle, boat, or other “toys”?
If you own motorized “toys” or Recreational Vehicles, you also need insurance to protect them from damage, loss, or theft. With recreational vehicle insurance, you can select your policy to include “full-timer” coverage, emergency expense coverage, and/or total loss replacement. In addition, your RV insurance policy can include vacation liability, which protects your passengers, as well as your possessions, while you are on a trip. Our wide selection of RV coverage options includes Campers, Travel Trailers, and Motor Homes. With the right coverage in place, you and your family will be all set to hit the road and enjoy the great outdoors!
Motorcycles/ATVs – More than 100,000 serious motorcycle accidents happen in the U.S. each year, and with the growing number of motorcyclists on the road, motorcycle insurance is a necessity. Before you take off to enjoy the freedom and fun of motorcycling, make sure your policy is also running in top condition! The Helwig Agency can help you select from coverages such as Bodily Injury, Property Damage Liability, Uninsured/Underinsured Motorist Coverage, Roadside Assistance, Comprehensive & Collision Coverage, Medical Payments, and more. Your insurance policy can even be customized for the specific type of bike you own. If your vehicle is an ATV, your policy may be nearly identical to that of a motorcycle. However, ATV owners may have some additional considerations, whether they are riding for fun or to get a job done, on a state trail or in the middle of nowhere. Accidents and injuries can happen, but we’ll help you be sure you’re protected before you head out.
Boats/Watercraft – Enjoying Pennsylvania’s many beautiful lakes and rivers is a unique joy for many boaters and their families. Before you embark, visit us for a “water-tight” policy so you can feel relaxed and confident on the water. Most boat insurance policies cover vandalism, malicious mischief, and liability losses; we’ll help you select the options that are right for you.
Snowmobiles – The changing seasons in our area mean plenty of time for outdoor winter activities for snowmobilers and their families. The time to select your snowmobile insurance is before the snow arrives, and we’re here to help you through the process. When you’re flying across a layer of fresh powder, you’ll know that if a breakdown (or a tree stump) gets in the way, your sled is covered and will be back out there in no time.
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