Auto Insurance

We promise to get you back on

the road as soon as possible

An auto policy from Penn

National Insurance is our

promise to make your car as

good as it was before it was

damaged.

Your auto policy can include the

following coverages:

African-American family in car

Bodily Injury Liability

Pays for the cost you are legally

required to pay for injuries to

someone else resulting from an

accident you cause, up to the

policy limits. The costs for which

you are responsible may include

the person’s medical bills, lost

wages, and pain and suffering.

Property Damage Liability

Pays for damage you cause to

someone else’s car or property in

an accident, up to the policy

limits. With both types of liability

insurance coverage, you want

enough insurance to cover a

lawsuit judgment without

jeopardizing your personal

assets. If you are uninsured (or

underinsured), the costs

associated with an injured

party’s liability claim will come

out of your pocket. All states also

have a minimum liability

insurance requirement for

drivers.

Medical Payments, No Fault or

Personal Injury Protection

Pays medical bills for injuries to

you or your passengers from an

accident and, in some cases, lost

wages, funeral expenses and

other damages, regardless of

who is at fault in an accident.

Uninsured and Underinsured

Motorist

Pays medical bills for you and

your passengers if a driver

without insurance or without

enough insurance injures you in

an accident, up to the policy

limits. You can generally

purchase Uninsured and

Underinsured limits equal to your

liability limits, but not greater.

Collision

Pays for repairs to your car after

an accident, regardless of

whether you are at fault. This

coverage is typically required if

your vehicle is financed or leased.

A deductible generally applies to

this coverage. You can select

from different deductible

options, and there will be

premium savings for higher

deductible selections. You should

ultimately choose a deductible

with an out-of-pocket cost you’re

comfortable with.

Other-Than-Collision

(Comprehensive)

Pays for repairs to your car after

damage from something other

than a collision, such as loss

caused by fire, theft, collision

with deer or other animal, storm,

flood, etc. The coverage also pays

for the replacement or repair of

your damaged windshield (and

other glass). There is a deductible

that applies to the Other-Than-

Collision coverage. However,

Penn National Insurance will

waive your deductible for

windshield damage if you are

able to get your windshield

repaired instead of replaced.