Page 13 - AAA Schuylkill County – AAA Now! – November/December 2018

INSURANCE SERVICES
Do You Have the Right Auto Coverage?
Getting just enough coverage to meet your state’s auto insurance requirements might mean a few more dollars in your pocket in the short term, but if you’re involved in a crash, minimal protection can result in a significant financial drain.
“Almost every state requires you to buy auto liability insurance, which covers the other party if you’re responsible for a crash,” said Sue Smyrl, AAA Schuylkill County spokesperson. “It’s important to make sure you have the right amount to protect your assets and the coverage you need to recover financially after a crash.”
Chances are good you’ll need more liability
insurance than required because crashes generally cost more than the minimum limits, according to the Insurance Information Institute. Talk to your AAA insurance agent about how much property damage and bodily injury liability coverage you need.
You also might want to consider buying a personal umbrella policy that will pay when your underlying coverages are exhausted.
Once you’ve determined your liability insurance needs, consider the following:
Comprehensive coverage – provides reimbursement for damage caused by something other than a collision, like hail, a fallen tree or vandalism.
Collision coverage – covers physical damage to your insured vehicle caused by a crash, regardless of fault.
Uninsured and underinsured motorist coverage –
reimburses the policyholder, or a covered family
member, if they are the victim of a hit and run or an accident caused by an uninsured/ underinsured driver.
Medical payments – pays for the treatment of injuries to the driver and passengers of the policyholder’s car.
Now that you’ve got the coverages you need, it’s time to choose a deductible—the amount of money you pay on a claim before the insurance company reimburses you. Typically, deductibles are $500 or $1,000; the higher your deductible, the lower your premium.
Finally, review your auto insurance whenever something changes in your life that might affect your coverage, such as buying a new or used vehicle, adding a new driver, or increasing (or decreasing) your commute.
Call your AAA insurance agent or insurance customer service or visit your AAA Schuylkill County office for more information about auto and home insurance.
Mature Drivers Course
Insurance Discount GUARANTEED!
Save on airport parking,
So you can spend on unwinding.
AAA SCHUYLKILL COUNTY MEMBERS CAN SAVE 25% AT THE PARKING SPOT
Serving PHL, BWI, EWR, and LGA airports
Book your next trip with a AAA Travel Agent and receive one free day of parking at The Parking Spot.
For turn-by-turn directions and more information, go to www.theparkingspot.com
(with Saturday night stay) (without Saturday night stay)
NOCONOW18-25 NOCONOW18-10
*25% off with a Saturday night stay or 10% off without a Saturday night stay. Coupon not eligible for use at The Parking Spot 2 in Philadelphia. Coupon not valid at Spot (EWR). This original printed coupon must be surrendered, no photocopies accepted. Does not include tax or airport access fee. Coupon may not be combined with any other offer. © 2018 TPS Parking Management, LLC. The Parking Spot and spotted shuttle design are registered trademarks of TPS Parking Management, LLC. Offer expires 12/31/2018.
If you’re 55 or older and take the
AAA Mature Drivers Course, Pennsylvania insurance law requires your insurance company to give you a minimum 5% discount on your insurance premium for 3 years.
$18 MEMBERS
$28 NONMEMBERS
(Nonmember fee can be applied toward purchase of membership.)
Sign Up Today!
Class size is limited.
Call (570) 622-4991 for information and registration.
NOVEMBER/DECEMBER 2018
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2018 CLASS SCHEDULE
8-HOUR COURSE
December 4 & 5............1:00 p.m. - 5:00 p.m. 4-HOUR RECERTIFICATION COURSE
December 10.................5:30 p.m. - 9:30 p.m. December 11.................9:00 a.m. - 1:00 p.m.
1/12/15 2:15 PM