1219 National Pike
PO Box 67
Hopwood, PA 15445-0067
Landmark: Across from Polito Carpet
PO Box 67
Hopwood, PA 15445-0067
Landmark: Across from Polito Carpet
Office Hours:
M,T,Th,F 8:30am to 5:00 pm
Wednesday 8:30am to 12:00 pm
Saturday & Evenings by Appt.
M,T,Th,F 8:30am to 5:00 pm
Wednesday 8:30am to 12:00 pm
Saturday & Evenings by Appt.
Phone: (724) 437-1591
Fax: (724) 439-1925
Home: (724) 437-3838
Fax: (724) 439-1925
Home: (724) 437-3838
Shopping for auto insurance
By Chuck Seighman
State Farm® agent
Whether you’re a first time buyer of auto insurance or already
have it but are looking for a better deal, you should be asking
several questions.
First, is the person from whom you’re buying (your agent) a
visible, established member of your community – someone you
know and trust?
Second, is the company from whom you’re buying well known?
What is its reputation? What about price? Because there are
hundreds of companies competing for your business, prices
vary – sometimes a lot. It may pay you to shop. Be sure the
premiums you’re quoted are for equal amounts of coverage.
How about service? Price is important but saving money won’t
mean much unless you get the service you need – when you
need it. If possible, ask other clients of your prospective agent
how they’ve been treated, especially when they’ve had a claim.
Find out how the company handles claims. Is the method
convenient for you, no matter where you have an accident? How
about solvency? Is the company you’re considering still going to
be in business when you file your claim? Your state department
of insurance has financial rating information on all of the
companies that do business in its state.
Once you’ve decided on a company and an agent, there are
more questions to ask.
How much coverage do you need? The required minimum
amounts of liability coverage may not be enough for you.
Consider your needs in light of your assets and income. How
much can you afford to pay if there’s a big judgment against you
because of an accident? What about deductibles? Deductibles
lower your premiums – most commonly for collision and
comprehensive coverages – but increase the amount of loss
that comes out of your pocket. How much additional risk are you
willing to take in order to save? Should you carry collision and
comprehensive coverage? As your car’s value decreases, you
might consider dropping these coverages and pocketing the
savings on premiums. But consider if the savings are enough to
offset the risk of footing the entire cost of repairing or replacing
your car.
Auto insurance is not a generic commodity. It is a product that
should be tailored to each individual. Your agent can help you
answer these questions and help you tailor your auto insurance
to your specific and unique needs.
By Chuck Seighman
State Farm® agent
Whether you’re a first time buyer of auto insurance or already
have it but are looking for a better deal, you should be asking
several questions.
First, is the person from whom you’re buying (your agent) a
visible, established member of your community – someone you
know and trust?
Second, is the company from whom you’re buying well known?
What is its reputation? What about price? Because there are
hundreds of companies competing for your business, prices
vary – sometimes a lot. It may pay you to shop. Be sure the
premiums you’re quoted are for equal amounts of coverage.
How about service? Price is important but saving money won’t
mean much unless you get the service you need – when you
need it. If possible, ask other clients of your prospective agent
how they’ve been treated, especially when they’ve had a claim.
Find out how the company handles claims. Is the method
convenient for you, no matter where you have an accident? How
about solvency? Is the company you’re considering still going to
be in business when you file your claim? Your state department
of insurance has financial rating information on all of the
companies that do business in its state.
Once you’ve decided on a company and an agent, there are
more questions to ask.
How much coverage do you need? The required minimum
amounts of liability coverage may not be enough for you.
Consider your needs in light of your assets and income. How
much can you afford to pay if there’s a big judgment against you
because of an accident? What about deductibles? Deductibles
lower your premiums – most commonly for collision and
comprehensive coverages – but increase the amount of loss
that comes out of your pocket. How much additional risk are you
willing to take in order to save? Should you carry collision and
comprehensive coverage? As your car’s value decreases, you
might consider dropping these coverages and pocketing the
savings on premiums. But consider if the savings are enough to
offset the risk of footing the entire cost of repairing or replacing
your car.
Auto insurance is not a generic commodity. It is a product that
should be tailored to each individual. Your agent can help you
answer these questions and help you tailor your auto insurance
to your specific and unique needs.
Why You Need Auto Insurance
By Chuck Seighman
State Farm® agent
Each year, more cars and drivers hit the highways. With so
many vehicles on the road, crashes will happen.
Automobile insurance can be the difference between a
minor inconvenience and a major hassle. But why do you
need insurance and just how much should you buy?
Auto insurance protects you by paying for damage or injury
you cause others while driving your car, damage to your
car or injury to you or your passengers in your car from a
crash, plus certain other occurrences, such as theft.
Auto insurance is required by law in all states and
provinces. Without insurance, you risk having to pay the full
cost of any harm you cause others or of repairing or
replacing your car if it is damaged or stolen.
Coverage requirements vary by state/province but usually
include the following:
Liability: It pays for damages due to bodily injury and
property damage to others for which you are responsible.
Bodily injury damages include medical expenses, lost
wages and pain and suffering. Property damage includes
damaged property and loss of use of property. If you are
sued, it also pays your defense and court costs. State
laws usually mandate minimum amounts, but higher
amounts are available and usually recommended.
Personal injury protection: This is required in some
states and is optional in others. It pays you or your
passengers for medical treatment resulting from a crash,
regardless of who may have been at fault, and is often
called no-fault coverage. It may also pay for lost earnings,
replacement of services and funeral expenses. State law
usually sets minimum amounts.
Medical payments: This coverage is available in non-no-
fault states; it pays regardless of who may have been at
fault.
It pays for an insured person’s reasonable and necessary
medical and funeral expenses for bodily injury from a
crash.
Collision: This pays for damage to your car caused by
collision.
Comprehensive: This applies if your car is stolen or
damaged by causes other than collision, including fire,
wind, hail, flood or vandalism.
Uninsured motorist: This pays damages when an insured
person is injured in a crash caused by another person
who does not have liability insurance or by a person who
cannot be identified (usually a hit-and-run driver).
Underinsured motorist: This pays damages when an
insured person is injured in a crash caused by another
person who does not have enough liability insurance to
cover the full amount of the damages.
Other coverages, such as emergency road service and
car rental, are also available.
What you pay for auto insurance will vary by company and
will depend on several factors, including:
• What coverages you select,
• The make and model of the car you drive,
• Your driving record,
• Your age, sex and marital status and
• Where you live.
Many people think of auto insurance as a necessary evil,
but it can save your financial well-being. Evaluate your
needs, do your research and with the help of your
insurance agent make the decision that best suits you.
By Chuck Seighman
State Farm® agent
Each year, more cars and drivers hit the highways. With so
many vehicles on the road, crashes will happen.
Automobile insurance can be the difference between a
minor inconvenience and a major hassle. But why do you
need insurance and just how much should you buy?
Auto insurance protects you by paying for damage or injury
you cause others while driving your car, damage to your
car or injury to you or your passengers in your car from a
crash, plus certain other occurrences, such as theft.
Auto insurance is required by law in all states and
provinces. Without insurance, you risk having to pay the full
cost of any harm you cause others or of repairing or
replacing your car if it is damaged or stolen.
Coverage requirements vary by state/province but usually
include the following:
Liability: It pays for damages due to bodily injury and
property damage to others for which you are responsible.
Bodily injury damages include medical expenses, lost
wages and pain and suffering. Property damage includes
damaged property and loss of use of property. If you are
sued, it also pays your defense and court costs. State
laws usually mandate minimum amounts, but higher
amounts are available and usually recommended.
Personal injury protection: This is required in some
states and is optional in others. It pays you or your
passengers for medical treatment resulting from a crash,
regardless of who may have been at fault, and is often
called no-fault coverage. It may also pay for lost earnings,
replacement of services and funeral expenses. State law
usually sets minimum amounts.
Medical payments: This coverage is available in non-no-
fault states; it pays regardless of who may have been at
fault.
It pays for an insured person’s reasonable and necessary
medical and funeral expenses for bodily injury from a
crash.
Collision: This pays for damage to your car caused by
collision.
Comprehensive: This applies if your car is stolen or
damaged by causes other than collision, including fire,
wind, hail, flood or vandalism.
Uninsured motorist: This pays damages when an insured
person is injured in a crash caused by another person
who does not have liability insurance or by a person who
cannot be identified (usually a hit-and-run driver).
Underinsured motorist: This pays damages when an
insured person is injured in a crash caused by another
person who does not have enough liability insurance to
cover the full amount of the damages.
Other coverages, such as emergency road service and
car rental, are also available.
What you pay for auto insurance will vary by company and
will depend on several factors, including:
• What coverages you select,
• The make and model of the car you drive,
• Your driving record,
• Your age, sex and marital status and
• Where you live.
Many people think of auto insurance as a necessary evil,
but it can save your financial well-being. Evaluate your
needs, do your research and with the help of your
insurance agent make the decision that best suits you.