In Hershey, PA you are required to have basic liability insurance in order to drive your vehicle. The limits of coverage that you must have are determined by the state and can be found on the Pennsylvania DMV website. Basic liability coverage is what you need but it may not be what you want or should have. The friendly staff at Options Insurance Agency have the information that you need to determine what coverage options are right for you. 

Collision coverage 

Collision coverage protects your vehicle in the event that you are in an accident. If you have a collision with another vehicle or with a tree or fence. It can be expensive to pay for repairs or to replace your vehicle. If you have a loan on your car or are leasing your vehicle, having collision coverage will likely be required to protect their investment. If you rely on your vehicle to get to work or just to get around, being able to repair or replace it is very important. If your vehicle is old and has very little cash value then it may not be necessary coverage. 

Comprehensive coverage

Comprehensive coverage is often called other than collision. If you damaged by something other than another vehicle, fence or tree. If a deer jumps in front of your car, a stone gets thrown up and breaks your windshield or a large branch falls on your car, your comprehensive insurance pays for the repair or replacement.  It also protects your vehicle from vandalism and theft. This can be a very important coverage and may be required by a lender or a lessor. 

If you think some of these other coverages are right for you and you live in the Hershey, PA area, Options Insurance Agency has the information that you need to make an informed decision. Stop by our office, give us a call or visit our website, you will be glad you did.