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Pittsburgh is a great city and a bustling region full of busy roads, bridges, and rivers. Whether you need to insure your car, your motorcycle or your boat, Obernauer Insurance Agency has the products you need to protect you, your vehicle, and the people riding in it.
Auto Insurance Isn’t Always a Simple Set of Choices
Each state – including Pennsylvania – has specific laws that outline the types and amount of auto insurance you’re required to have. Your insurance coverage needs might be different depending on where you live, how much you drive, your driving history, and the level of insurance coverage you need, want, and are required to have.
We’ll work with you to protect your family members too as your children come of age to drive and we’ll help you choose the coverage that’s right for you and their situation. As a matter of fact, you can take a look at this free booklet that gives you an overview of insurance for teen drivers.
We can help you understand Pennsylvania’s insurance requirements so you can make an educated decision about the coverage levels and deductibles you want. In addition to personal attention provided by our agents during business hours, our tools and resources provide you with 24/7 access to safety tips and detailed information to help you better understand insurance.
You can download a copy of our free booklet explaining the basics of auto insurance to get an overview of things. You can also read on for some simple explanations about the different types of coverage you may need or want.
Liability Insurance. This helps protect your assets.
Bodily Injury Liability. This helps protect you from paying medical costs, loss of income, and funeral expenses of other people involved in an accident.
Property Damage Liability. Helps protect you from paying for the repair or replacement of another driver’s car.
Uninsured / Underinsured Motorist Coverage. Can protect you when involved in a collision with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
There are two types of Uninsured / Underinsured Motorist Coverage.
Bodily Injury. This coverage includes your injuries or death, or those of your passengers or family members driving your car if it’s hit by a driver with little or no insurance.
Property Damage. Includes damage to your car or property if you’re hit by a driver with little or no insurance (but it’s not available in all states).
There’s Coverage That Can Help Pay for Your Injuries From an Accident.
Automobile Medical Payments coverage can help pay for some of your medical costs or funeral expenses if you or anyone in your vehicle is injured in an accident.
Coverage for Damage to Your Car
Collision Coverage. This pays for damage to your car if you collide with another car or something else (like a building for example). If someone hits your parked car, that’s considered a collision too.
Comprehensive Coverage. This pays for damage or loss to your car caused by something other than a collision. That includes things like theft, fire, vandalism, windstorm, or hitting an animal.
You can also get other coverage to protect your car and cover costs including things like Towing and Labor Costs, Rental Reimbursement, and even Sound System Coverage if you’ve got a high-end sound system in your car.
Get the right level of coverage for you and your bike
There are many types of coverage available for your motorcycle, and options vary from state to state. The agents here at Obernauer Insurance in Pittsburgh are ready to help you understand what coverage is available to you, so you can select a motorcycle insurance policy that helps protect you and your bike. Your policy can include:
Covers things like medical expenses and lost wages that result from the injury or death of another driver when you’re at fault. In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.
Property Damage Liability coverage
Covers damage to another person’s property when you are at fault. You may be liable for other vehicles, private residences, storefronts and other structures.
Covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, like ambulance rides and x-rays.
Personal Injury Protection
This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you’re hurt in an accident.
Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.
Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You’re typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
Uninsured/Underinsured Motorist Bodily Injury
If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers’. Different states have different requirements for this coverage.
Towing and labor
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident. Policies for Harley-Davidson, Touring and Touring Sport bikes include this coverage automatically, but you can buy it for other kinds of bikes.
Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.
Motorcycle and off-road vehicle transport trailer damage
Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.
If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.
Optional or added equipment
With Allstate, your policy automatically comes with $1,000 worth of coverage on after-market upgrades. You can buy extra coverage up to $30,000 to protect any enhancements to your bike.
Protect Your Asset, Yourself, and Others
Whether you spend your days on the rivers in the Pittsburgh region, travel to the lake or shore, or have your boat in storage for the winter, it’s important to keep your boat protected against the unexpected year round. Typically, coverage is not required by law, but your lien holder may have specific insurance requirements for your boat. Any agent at our office on Greentree Road can help answer your questions, but you can also learn about the coverage types below:
Watercraft medical payments coverage
Helps pay medical costs if you or anyone on your boat is injured in an accident.
Watercraft liability coverage
If there’s an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person’s boat or property.
Covers the damage to your boat if you’re involved in an accident with another boat or something else, like a pier, buoy, dock or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.
Covers the repair work done on your boat, motor, equipment or trailer with no deduction for depreciation.
If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.
Uninsured watercraft coverage
If you’re in an accident with an uninsured boater, this helps pay for injuries that you, your family or anyone else on your boat sustains.
Agreed value option
When you’re reimbursed for your boat’s value, you’ll be reimbursed for what it was worth at the start of the policy regardless of the current market value.
Personal effect coverage
Covers your fishing equipment and other personal belongings if they’re damaged, lost or stolen.
Additional boat equipment
Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.
Boat trailer coverage
Covers damages to your trailer resulting from an accident or other unforeseen incident.