Auto Insurance

We promise to get you

back on the road as

soon as possible

An auto policy from

Penn National

Insurance is our prom-

ise to make your car as

good as it was before it

was damaged.

Your auto policy can

include the following

coverages:

Family in car

Bodily Injury Liability

Pays for the cost you

are legally required to

pay for injuries to

someone else resulting

from an accident you

cause, up to the policy

limits. The costs for

which you are respon-

sible may include the

person’s medical bills,

lost wages, and pain

and suffering.

Property Damage

Liability

Pays for damage you

cause to someone else’s

car or property in an

accident, up to the pol-

icy limits. With both

types of liability insur-

ance coverage, you

want enough insurance

to cover a lawsuit judg-

ment without jeopar-

dizing your personal

assets. If you are unin-

sured (or underin-

sured), the costs

associated with an in-

jured party’s liability

claim will come out of

your pocket. All states

also have a minimum

liability insurance re-

quirement for drivers.

Medical Payments, No

Fault or Personal Injury

Protection

Pays medical bills for

injuries to you or your

passengers from an ac-

cident and, in some

cases, lost wages, fu-

neral expenses and

other damages, regard-

less of who is at fault in

an accident.

Uninsured and

Underinsured Motorist

Pays medical bills for

you and your passen-

gers if a driver without

insurance or without

enough insurance in-

jures you in an acci-

dent, up to the policy

limits. You can gener-

ally purchase

Uninsured and

Underinsured limits

equal to your liability

limits, but not greater.

Collision

Pays for repairs to your

car after an accident,

regardless of whether

you are at fault. This

coverage is typically re-

quired if your vehicle is

financed or leased. A

deductible generally

applies to this coverage.

You can select from

different deductible

options, and there will

be premium savings for

higher deductible se-

lections. You should ul-

timately choose a

deductible with an out-

of-pocket cost you’re

comfortable with.

Other-Than-Collision

(Comprehensive)

Pays for repairs to your

car after damage from

something other than a

collision, such as loss

caused by fire, theft,

collision with deer or

other animal, storm,

flood, etc. The coverage

also pays for the re-

placement or repair of

your damaged wind-

shield (and other glass).

There is a deductible

that applies to the

Other-Than-Collision

coverage. However,

Penn National

Insurance will waive

your deductible for

windshield damage if

you are able to get your

windshield repaired in-

stead of replaced.