Auto Insurance Coverage
Our dedicated team of professionals will thoroughly assist you in choosing affordable coverage for your protection needs. We take pride in knowing our customers are well taken care of on the road with adequate vehicle coverage. Our independent agency allows us to use trustworthy carriers that provide quality coverage you can trust. Your agent will give you a personal experience, answering all your questions and ensuring your chosen coverage meets your unique needs.
We will serve you better by checking for any discounts available, reviewing your policy, and double-checking to ensure you understand your coverage and premiums. These are the different types of coverage, some of which are required by law:
- Bodily Injury Liability
- Medical Payments or Personal Injury Protection
- Property Damage Liability
- Collision
- Comprehensive
- Uninsured Motorists Coverage
Why did my auto insurance rates increase?
Auto insurance rates can increase for several reasons, including accidents, traffic tickets, rising repair costs, severe weather claims, or changes in your area. Even drivers in Pittsburgh with clean records may see rate changes due to overall insurance trends.
Does my insurance cover other drivers using my car?
In many cases, auto insurance follows the vehicle, not the driver. If someone borrows your car with permission, your policy in Pittsburgh may help cover an accident. Coverage can vary, so it’s important to review your policy details carefully.
Does auto insurance cover hail damage?
Hail damage is generally covered under comprehensive auto insurance. Drivers in Pennsylvania who experience strong storms may benefit from adding comprehensive coverage to help with weather-related vehicle damage.
Do good student discounts apply in Pennsylvania?
Many insurance companies offer good student discounts in Pennsylvania for eligible high school and college students who maintain qualifying grades. Discounts and eligibility requirements can vary between insurance carriers.
What happens if my vehicle is totaled?
If your vehicle is declared a total loss, your insurance company may pay the vehicle’s actual cash value minus your deductible. Drivers in Pittsburgh with loans may still owe remaining balances unless they have gap insurance.
How is the value of a totaled vehicle determined?
Insurance companies typically determine a totaled vehicle’s value based on its condition, mileage, age, local market value, and comparable sales. Drivers in Pittsburgh, Pennsylvania can usually review the valuation details during the claims process.
Can I keep my vehicle after it is totaled?
In some cases, drivers may keep a totaled vehicle after settling the claim, although the payout is usually reduced. Salvage title rules and requirements can vary in Pennsylvania.
What vehicles are cheapest to insure for teens?
Vehicles with strong safety ratings, lower repair costs, and moderate horsepower are often cheaper to insure for teens. Families in Pittsburgh, Pennsylvania may benefit from choosing practical vehicles over high-performance models.
What is SR-22 insurance?
SR-22 is not actually insurance, but a certificate filed with the state to prove a driver carries the required coverage. Drivers in Pittsburgh may need an SR-22 after serious violations like DUIs or driving without insurance.
Does a speeding ticket affect insurance rates?
A speeding ticket can increase auto insurance rates because insurers may view it as a higher driving risk. The impact on drivers in Pittsburgh depends on the severity of the violation and their driving history.
Is Pennsylvania a no-fault auto insurance state?
Yes, Pennsylvania is considered a choice no-fault state, which means drivers can choose between limited tort and full tort coverage options when purchasing auto insurance. This choice can affect a driver’s ability to recover certain damages after an accident, so Pittsburgh drivers should review their options carefully when selecting coverage.
Our Affiliations
Neofes Insurance Group
704 McKnight Park Dr. Pittsburgh, PA 15237
jkaiser@neofesinsurance.com
Phone: (412) 364-3388
Fax: (412) 364-3412
Monday - Thursday 8:30 am - 6:00 pm
Friday 8:30 am - 5:00 pm
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.