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Personal Auto Insurance

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Coverage for both driver and vehicle are required by PA law.

What you need to know about auto insurance:
Whether you own a car or not, you need insurance if you ever drive one. Knowing the requirements for auto insurance can help you ensure you get the right kind of policy and the right amount of coverage.

What is it?
Insurance coverage for automobiles falls under the category of property/casualty insurance. Depending on the type and scope of coverage you have, an auto policy provides you liability protection to pay for damages and injuries you cause in a crash as well as coverage for damage to your own automobile.

Who is it for?
Auto coverage is for anyone who drives a car, even occasionally, since an auto policy typically covers the driver rather than the car owner if the two are not the same.

How does it work?
An auto policy covers you for liability purposes if you get into a crash and, if you have the right coverage, it also may cover an auto that you own as well. If you get into an accident, you need to contact your insurance company or agent as soon as possible to get a claim started. This is important even if it appears the other driver may be at fault. Once liability is determined, your insurer will pay the other driver’s costs if necessary and pay for damage to your automobile if you have the right coverage.

Types of coverage
There are a number of different types of auto insurance coverage. Liability coverage pays for damages you cause to others in an accident that is your fault. This coverage is required of drivers in nearly every state. Collision coverage will pay for damage done to your car in a crash if you are at fault or if the other driver’s insurance won’t pay. Comprehensive coverage pays for damage to your vehicle from something other than a crash, such as weather or fire damage. Other common coverages include uninsured motorist and personal injury protection.

Major benefits
The main benefit of having an auto policy is protecting yourself against causing damage to others in a crash. Another benefit is protecting your own car through collision and comprehensive coverage.

Great service and always available!
Allison Clayton
2023-11-16
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
2023-11-15
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
2023-06-01
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
2023-04-03
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
2022-09-07
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
Jon
2021-02-12
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
2020-02-27
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe
2020-02-14