Auto Coverage

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

COMPONENTS OF LIABILITY

There are two main components to Auto Liability: Bodily Injury and Property Damage Liability.

• Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
• Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Greater Pittsburgh Insurance Consultants, Inc., you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At Greater Pittsburgh Insurance Consultants, Inc., we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:

• Theft or Larceny
• Vandalism and Glass Breakage
• Fire Damage
• Hail, Water, or Flood Damage
• Hitting a Deer or Other Animal
• Damage from Falling or Flying Objects

OTHER NON-COLLISION RELATED SERVICES

In addition to Comprehensive, Greater Pittsburgh Insurance Consultants, Inc. also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.

• Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
• Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.

For most drivers, a car is more than just a means of transportation - it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Greater Pittsburgh Insurance Consultants, Inc., you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or object.

HOW MUCH COLLISION COVERAGE IS NEEDED?

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Greater Pittsburgh Insurance Consultants, Inc. can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements includes: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

• Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
• GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
• Accident Forgiveness ensures that your rates won’t increase because of a single accident.

Contact Greater Pittsburgh Insurance Consultants, Inc. today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

IT’S IMPORTANT TO BE PREPARED FOR EVERYTHING

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Greater Pittsburgh Insurance Consultants, Inc. to find out how you can be prepared for any situation on the road.

As a driver, safety should be one of your top concerns – safety for your passengers and for other drivers on the road. When you find the right coverage with Greater Pittsburgh Insurance Consultants, Inc., you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver.

When you sign up for Diminishing Deductible, every year you are claim-free, your deductible will be reduced. 

For even more options, talk to a representative with Greater Pittsburgh Insurance Consultants, Inc. about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.

We understand that accidents happen. On the road, there are many situations that are outside of your control and sometimes cannot be avoided. At Greater Pittsburgh Insurance Consultants, Inc., we don’t want an accident to hurt your driving record, or even cause your rates to go up. With the right coverage, you can be forgiven for your first chargeable accident through Accident Forgiveness.

Under Accident Forgiveness, if you’re involved in an accident, your rates won’t increase – even if the accident is your fault.

On the road, anything can happen. From flat tires to breakdowns, it’s best to be prepared for it all. At Greater Pittsburgh Insurance Consultants, Inc., we’re proud to offer the following packages of Roadside Assistance* coverage through Allied Insurance’s trusted “Sign and Drive” service:

• Basic Package. This package includes towing, fuel delivery, lockout, jump starts, and flat tires.
• Plus Package. This includes everything in the Basic Package, trip interruption coverage, turn-by-turn directions, pre-trip map routing, and emergency messages.

With Roadside Assistance, you’ll never be alone behind the wheel. Contact Greater Pittsburgh Insurance Consultants, Inc. today to find out how you can get signed up.

Whether it’s an antique, a collectible, or your own custom-built roadster, your Specialty Auto is a labor of love. If you’re like most enthusiasts, you’ve poured many hours of time and effort into making your auto something unique and special. At Greater Pittsburgh Insurance Consultants, Inc., we realize that when you’re cruising down the strip, speeding across the track, or making heads turn at a show, the last thing you’ll want to worry about is whether you have the right insurance.

We believe that your specialty car is not only a major investment but also an extension of you. And a vehicle as unique as its driver requires more than a standard insurance policy. That’s why we’re proud to offer a variety of specialized coverage options for the following vehicles:

• Collectibles
• Antique and Classic Cars
• Hot Rods
• Custom-Built Cars
• Show Cars
• Race Cars

With options and choices ranging from agreed value coverage to spare parts coverage, Greater Pittsburgh Insurance Consultants, Inc. can provide you with the tools you need to insure your timeless automobile. We even offer multi-vehicle discounts for the avid collector.

At Greater Pittsburgh Insurance Consultants, Inc., we strive for quality service with your convenience in mind. By offering 24/7/365 support, we’re here to serve you – when you need us most. Since accidents and non-collision oriented situations can fall outside of normal business hours, all our carriers are accessible through 800 numbers in case you need assistance.

For claims, accidents, billing information, and more, you can contact a representative 24 hours a day, seven days a week.

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, Greater Pittsburgh Insurance Consultants, Inc. offers Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by the insurance policy, it’s important to speak with an insurance specialist from Greater Pittsburgh Insurance Consultants, Inc. to make sure you know what’s covered and to see if you qualify for this additional service.

At Greater Pittsburgh Insurance Consultants, Inc., we know that the safety and well being of you and your family is important, both on and off the road. Since auto accidents can involve more than just damage to your car, we’re here to help prepare you for insuring any injuries to you or a family member as a result of an auto accident.

With First Party Medical Benefits from Greater Pittsburgh Insurance Consultants, Inc., you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. These benefits can extend to cover expenses beyond medical bills, such as loss of wages or services, accidental death and in some cases, funeral costs. It also can extend to take care of your passengers’ bills.