724-465-5514

674 Philadelphia St. Indiana, PA 15701
info@helwigagency.com

 

Auto Insurance

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.

Regardless of the type(s) of personal insurance you need, we’re here to help you get the right protection at the right price. Schedule your visit with Helwig Insurance today so we can help you select and customize the personal insurance that meets your needs

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- Tracey L. Missien, Indiana, PA

“Getting the right kind of insurance and finding the right agency can be time-consuming. For me, choosing the Helwig Agency has been the right decision. Helwig can serve all my insurance needs and does the necessary research to find the right insurance products for me. More importantly, the level of customer service is excellent. I feel confident that my auto and homeowners’ policies are up-to-date and that the staff at Helwig will contact me if policy changes are needed. I know that when I call, I will receive prompt and professional service every time. I recommend that anyone seeking to compare insurance products and agencies give the Helwig Agency a call.”

- S. Graham, Indiana, PA

“My family was moving to Indiana from out of state. We needed home, auto, and health insurance. My aunt, who lives in Indiana, told me I should call the Helwig Agency. She said she had called all the other insurance agencies in town, and Helwig had given her the best insurance for her needs at the best price.Being skeptical, I called most of the agencies in Indiana, only to find that my aunt was right. With one call to the Helwig Agency, they were able to find the best home, auto, and health insurance for my family, and the best quotes.The Helwig Agency helped to make our move much less stressful. The staff were so friendly and professional. They addressed all of our concerns and answered all of our questions thoroughly. They represent so many reputable insurance companies that it’s easy to find one that will meet your needs. The really nice thing about Helwig is that they are there for you even after you purchase your policy. If you have any problems with an insurance company, they will address it for you. It’s like having a whole team behind you! You are never alone.I can’t say enough good things about the Helwig Agency, and I would recommend them to anyone without reservation!”

- S. Graham, Indiana, PA

“My family was moving to Indiana from out of state. We needed home, auto, and health insurance. My aunt, who lives in Indiana, told me I should call the Helwig Agency. She said she had called all the other insurance agencies in town, and Helwig had given her the best insurance for her needs at the best price.Being skeptical, I called most of the agencies in Indiana, only to find that my aunt was right. With one call to the Helwig Agency, they were able to find the best home, auto, and health insurance for my family, and the best quotes.The Helwig Agency helped to make our move much less stressful. The staff were so friendly and professional. They addressed all of our concerns and answered all of our questions thoroughly. They represent so many reputable insurance companies that it’s easy to find one that will meet your needs. The really nice thing about Helwig is that they are there for you even after you purchase your policy. If you have any problems with an insurance company, they will address it for you. It’s like having a whole team behind you! You are never alone.I can’t say enough good things about the Helwig Agency, and I would recommend them to anyone without reservation!”

The Helwig Agency is a complete source for all your insurance needs. Below is a list of the personal policies we offer:

  • Automobile
  • Homeowners
  • Renters/Condo
  • Home Business
  • Rental Properties
  • Mobile Home
  • Farm
  • Umbrella
  • Watercraft
  • Flood
  • Campers, Trailers, and Motor Homes
  • Motorcycles/ATVs

Have questions? Our professional staff is knowledgeable and ready to answer them!

Contact Helwig Insurance

Address

674 Philadelphia St. Indiana, PA 15701

Phone:

724-465-5514

Fax:

724-465-9901

Email:

info@helwigagancy.com