The Good Insurance Group, LLC

1033 Alliance Park Dr, Suite 201
Bloomsburg, PA 17815

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When should you review your auto insurance policy?

Your auto insurance makes driving your vehicle less stressful. You know that if you have an accident, you are covered. But, you may be surprised if you discover that your coverage is not what you expected. It is important to do reviews of your coverage to avoid those kinds of surprises. At The Good Insurance Group LLC in Bloomsburg, PA, we encourage our customers to review their policies, and we are here to answer any questions you may have. 

Most auto insurance policies are renewed yearly. When you receive your new insurance policy, whether in print or digitally, you will see that the front page is the declaration page. The declaration page details your coverage. It includes your liability coverage, your collision, and comprehensive coverage. It also consists of any add-ons you have added to your policy and lists your deductible. Each of these areas should be examined at least yearly to make sure that you have the amount of coverage that makes sense for you. 

If you notice that your policy rate has increased significantly, it is time to review your policy. You may not be able to see any reason for the increase, in which case you should call your insurance agent for an explanation. It may be time to look for a new carrier, or you may need to increase your deductible. 

If you add a new driver to your policy, you may want to increase your liability coverage, especially if it is a teen driver. If you are adding a new vehicle, you may want to make sure you have gap coverage to cover any gap between the policy value of your car and what you owe on your auto loan. 

Contact The Good Insurance Group LLC in Bloomsburg, PA to discuss your auto insurance and do a review. 

What You Need to Know About Auto Insurance Deductibles

Most types of insurance—including auto—have a deductible. The deductible is the amount of money that you must pay out of your own pocket before the insurance company takes over and pays the rest. Here at the Good Insurance Group LLC, we know how confusing deductibles can be for Bloomsburg, PA residents, so we have answered some of the most commonly asked questions regarding deductibles below.

How Exactly Do Deductibles Work?

The deductible is a pre-determined amount that you will be required to pay after a covered event. The deductible is in place to help protect the bottom line of the insurance company and deter frivolous insurance claims from being filed.

For instance, if you caused an accident that resulted in $2,000 worth of property damage and you had a deductible of $500, then you would be expected to pay $500 before your insurance company would pay the remaining $1,500.

When Is the Deductible Paid?

As a general rule, you will need to pay the deductible when you file an insurance claim. However, if you are involved in an accident and not found to be at fault, you will not be responsible for paying your deductible. However, if the other party does not have insurance, you will need to pay your deductible in order to have your policy’s uninsured motorist coverage kick in.

How Much Should the Deductible Be?

There is no one-size-fits-all answer here. The higher your deductible, the lower your insurance premium. While a higher deductible will save you on your monthly payment, it may not necessarily be the best option for you.

When choosing your deductible, you need to consider what you would be able to afford to pay out of your pocket in the event of an accident. If you don’t like the thought of or wouldn’t be able to afford paying $1,000 on short notice, then you should seriously consider opting for a lower deductible.

If you have any further questions regarding auto insurance deductibles, do not hesitate to contact us. Serving the residents of Bloomsburg, PA, The Good Insurance Group LLC is happy to sit down with you to discuss your budget and needs in order to determine the most ideal deductible for your situation.

Do You Have a Teen Driver at Home? Then You May Need Umbrella Insurance

Do you have a teen driver at home? As our kids get older, our risk level increases as they’re exposed to more hazards out on the road. Here at The Good Insurance Group, LLC, we want to make sure all Bloomsburg, PA parents have the coverage they need. Keep reading to learn more about umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is a funny play on words. It is a special type of liability policy that extends over your home and auto insurance to give you more coverage in the event of a serious claim.

As a parent of a teen driver, you have an increased risk that the child you’re legally responsible for could cause a major accident while driving a vehicle you own. If this happens and your standard policies do not have enough coverage, you could be sued for the remaining amount and have to pay for damages out-of-pocket if they’re above your limits.

Fatality crashes involving youthful drivers happen every day in our country. Even if your child isn’t the one at fault, there could be some liability involved if they have friends in the car or make simple mistakes during the incident. Instead, it is better to have an umbrella of coverage as added financial protection. 

Protect Your Family with Umbrella Insurance

There are other circumstances when having umbrella coverage is vital, but having a youthful driver in your household is one of the most critical. If you have a teen driver at home, it is important to have a conversation with your trusted Bloomsburg, PA insurance agent. Please contact our team at The Good Insurance Group, LLC to schedule an appointment to talk about umbrella insurance coverage.

Required Auto Insurance in Pennsylvania

Specific auto insurance coverage is required in Pennsylvania, and you must carry proof of that insurance. If you don’t have the insurance that you need, or you want to shop for a new policy, call us at The Good Insurance Group, LLC in Bloomsburg, PA to speak with an agent. 

Liability Auto Coverage

Every vehicle in Pennsylvania must have a liability insurance policy. This comes with required minimums for bodily injury for each person in an accident, a minimum amount for bodily injury per accident, and a minimum amount for the property damage done in an accident. It also has an amount required for first-party medical benefits, medical benefits for you and your passengers.

Tort Options

A few states also have tort options that go with their auto insurance, and Pennsylvania is one. The choices for your insurance coverage are full tort or limited tort. With the full tort option, you will retain the right to sue the other party after an accident for any pain and suffering that you are left with. This tort choice generally has a higher premium payment. The limited-tort option greatly restricts your ability to sue another party for non-monetary damage- usually pain and suffering. However, you do retain the right to sue after an accident if there was a permanent disfigurement or death. The limited-tort option comes with a lower premium amount. 

Get Insured

If you need auto insurance in Pennsylvania, it can be hard to figure out all of the available choices and make sure that your coverage is enough to be legal. Give us a call at The Good Insurance Group, LLC in Bloomsburg, PA to make an appointment with an agent that can help you with your choices.

When Is Liability the Best Choice for Auto Insurance?

Auto insurance can feel like a bit of a minefield when you’re first getting started. It’s easy to choose based solely on price, which is why you may be considering liability for your policy. But as nice as the price may seem, it may not always be the right decision. The Good Insurance Group, LLC of Bloomsburg, PA wants everyone to have the facts so they don’t end up making a decision they regret. Here are a few things to keep in mind when determining if liability is the best choice for you. 

When Your Vehicle Is Paid Off

Liability-only is a policy that covers your car in case you hit someone else or damage another person’s property. It will not cover the damages for your car if you were the at-fault party. If you own your automobile, you’re free to make this decision on your own. However, if your car is leased or financed, your lender is going to want the additional protection. 

When You Have a Back-Up Plan 

If you rely on your car to get around, then liability may not be the best choice for you. If your car is severely damaged, you may not be able to get to work without the help of public transportation or the goodwill of friends or family. If you have a solid back-up plan for what will happen if your car is totaled, then liability could be a good choice. But you do need to think through the scenario before you decide on liability. 

The Good Insurance Group, LLC is here to help our clients get more from their insurance policies. If you have questions about the best type of auto insurance policy for you, visit our office in Bloomsburg, PA or give us a call today. We’re here to get you on your way.