Auto Insurance
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

In Pennsylvania - It is the Law !

Auto insurance requirements vary by state. In Pennsylvania, you must carry:

Liability coverage – to pay for losses you cause others with a minimum amount of $15,000 per person and $30,000 total per accident bodily injury and $5,000 property damage.

Medical Coverage – you must have $5,000 minimum medical coverage

When you finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Kesslak Agency Inc. Call for a quote today at 814-269-1474


All states have different laws regarding auto insurance. For Pennsylvania drivers, the “right to recover damages” is labeled as “tort options” in car insurance policies.

A tort is a civil wrong causing a legal liability. This is the direct result of the negligence of another driver. You are required to select either full tort or limited tort to define your right to compensation in the event that another party injures you or members of your household in an auto accident.

Limited Right to Recover Damages (Limited Tort)

If you select the limited tort option, your rights to financial compensation for injuries caused by other drivers will be limited. However, your premiums for Property Damage Liability, Full First Party Benefits (FPB), and FPB Income Loss coverages will be lower than if you had selected full tort. Under the limited tort option, you (the insured) and other members of your household are entitled to recover damages for medical and other out-of-pocket expenses related to a covered accident. However, you will not be eligible for financial compensation for pain and suffering or other non-monetary damages, unless your injuries are categorized as serious (e.g. a life-long disability, an injury resulting in death, etc.)

Sometimes, even when an individual has elected a limited tort policy, he/she is entitled to pursue additional monetary reimbursement for accidents resulting in serious injuries (law describes this as permanent disability, permanent disfigurement, death, etc.), or potentially when the person is harmed by 1) an impaired driver, 2) an out-of-state driver, 3) as a pedestrian, and 4) in a commercial vehicle.

Full Right to Recover Damages (Full Tort)

If you choose the full tort option, your rights to financial compensation for injuries caused by other drivers is unrestricted. However, your insurance premium will not be reduced. Under the full tort option, you (the insured) and other members of your household may seek recovery for all medical and out-of-pocket expenses. You are also allowed to seek financial compensation for pain and suffering and other non-monetary damages for injuries caused by other drivers in a covered accident.

Why else do you need auto insurance?

It's really all about protecting yourself financially. In addition to PA state minimum limits and mandatory collision when you have an auto loan – consider these facts:

•If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or
replace it.
•If you or any passengers are injured in an accident, medical costs can be extremely
•If you or your car is responsible for damage or injury to others, you may be sued for much
more than you're worth.
•Not only is having insurance a prudent financial decision, PA requires you to have at their
specified minimum limits of liability.

Questions to ask Kesslak Agency Inc.

We at Kesslak Agency Inc. are advocates for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

•How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
•What is the insurance company's level of service and ability to pay claims?
•What discounts are available? (Ask about good driver, multiple policy and student discounts.)
•What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Kesslak Agency Inc. can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us at 814-269-1474 for more information today!

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Call, Email, or Visit Us Today!

Phone: (814) 269-1474
Kesslak Agency Inc.
1405 Eisenhower Blvd. Ste 103
Johnstown, PA 15904