Personal Insurance Solutions

Personal Auto Insurance

Personal auto insurance protects against financial losses from owning and driving a vehicle. It includes liability coverage for damages or injuries you cause, collision for vehicle repairs, and comprehensive for non-collision events like theft or vandalism. Additional options, such as uninsured motorist or medical payments coverage, offer extra protection. Review your policy to ensure it meets your needs.

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What is a Personal Auto Insurance Policy?

A car insurance policy safeguards you from financial risks associated with driving and owning a vehicle. It offers liability coverage to handle costs if you cause injuries or property damage, collision coverage to repair or replace your car after an accident, and comprehensive coverage for non-accident events like theft or weather damage. Optional features, such as uninsured motorist protection or medical payment coverage, can provide added security. It’s important to review your policy to ensure it fits your needs.

Personal Auto Insurance is required if you:

Auto insurance is required for all drivers in Pennsylvania who own and operate a vehicle. The state mandates that vehicle owners carry a minimum level of insurance coverage to legally register and drive their cars.

Personal Auto Insurance | CNS Insurance
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Personal Auto Insurance Coverages

What coverages do you need?

In Pennsylvania, auto insurance is required and includes liability coverage and basic first-party benefits under the no-fault system. Optional but recommended coverages include uninsured/underinsured motorist protection and comprehensive and collision coverage for damage to your vehicle. Additional coverages, such as lost wages, can also be added for enhanced protection.

Basic Personal Auto Insurance Coverage:

  • Bodily Injury Liability (Minimum Requirements):
    • $15,000 for injury or death to one person
    • $30,000 for injury or death to two or more people in a single accident
  • Property Damage Liability (Minimum Requirements):
    • $5,000 for damage to another person’s property
  • Basic First-Party Benefits (No-Fault Insurance): 
    • In Pennsylvania, the state operates under a no-fault system, meaning that, in the event of an accident, your own insurance typically covers your medical bills and lost wages, regardless of fault.

Other Coverage you might need:

Uninsured/underinsured motorist coverage and comprehensive and collision coverage are optional because they address specific risks, such as accidents with underinsured drivers or damage from theft and vandalism, which not all drivers prioritize. While recommended for added security, they are not mandatory to meet state insurance requirements and may be unnecessary for older vehicles or those with other protections in place.

  • Uninsured/Underinsured Motorist Coverage: This is optional but highly recommended. It covers you if you’re involved in an accident with someone who doesn’t have insurance or has insufficient insurance.
  • Comprehensive and Collision Coverage: These are also optional and provide coverage for damage to your own vehicle from events like theft, vandalism, or accidents.

Liability Insurance

Personal Auto vs. Commercial Auto

Limits of Liability:

  • Personal Auto Insurance: Required minimums are generally lower ($15,000 per person, $30,000 per accident, $5,000 property damage).
  • Commercial Auto Insurance:  Minimum requirements for bodily injury and property damage liability are the same, but businesses typically need higher coverage limits to account for the increased risk involved in commercial operations.

Types of Coverage:

  • Commercial policies may have additional coverage options that are not required or offered in personal policies, such as cargo coverage, hired vehicle liability, and coverage for employees using vehicles for business purposes.

Risk Exposure:

  • Commercial vehicles and drivers are at a higher risk due to the nature of business activities (e.g., transporting goods, using vehicles for work-related tasks). As a result, businesses often opt for higher coverage limits than the state’s minimum requirements.
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Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Bodily Injury
15/ 1 K+

Bodily injury liability insurance covers the medical expenses, lost wages, and legal costs if you are responsible for injuring someone in an accident.

5K+

Property Damage Liability

Property damage liability covers the cost of repairing or replacing another person’s property, such as their vehicle or structures, if you are at fault in an accident.

No-Fault
1 K+

In Pennsylvania, the state operates under a no-fault system, meaning that, in the event of an accident, your own insurance typically covers your medical bills and lost wages, regardless of fault.

Need to Register your car first?

Are you located in Pennsylvania and buying or selling a Car, Boat, ATV, Snowmobile, etc.? In-State title transfers are slightly different than out-of-state transfers. Give us a call or contact us below and we can walk you through the entire process!

Visit cnslicensing.com

Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner

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