Total Risk Management Inc
Toll Free: 888-279-4266
"We are Masters in providing Insurance Protection for all your needs"
What is Auto Insurance?
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.
Tell: (215) 476-7000
Visit: 400 Upland Avenue
Brookhaven, PA 19105
Auto Insurance Coverages?
There are basically six different types of coverage(s). Some may be required by law. Others are optional. They are:
Bodily injury liability - for injuries the policyholder causes to someone else.
Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
Property damage liability - for damage the policyholder causes to someone else’s property.
Collision - for damage to the policyholder’s car from a collision.
Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
Under-insured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have enough insurance.
Full Tort - (pain and suffering) coverage allows a driver to sue for pain and suffering after a not-at-fault accident, regardless of the severity. The driver does not need to prove pain and suffering passed a certain threshold. Full tort insurance allows drivers to file a lawsuit claiming inconvenience and ongoing pain.
Limited Tort - No right to sue for “pain and suffering” unless the injuries suffered are considered a "serious injury". allows a driver to recover solely actual monetary losses after an accident: out-of-pocket medical costs, wage losses, property damage, or other related expenditures. Limited tort restricts drivers from pursuing further claims (lawsuits for pain and suffering, for instance).