Auto Insurance

As an independent agency, New Heritage Insurance is committed to providing our clients with the right auto insurance at the right price. For most Americans, driving is a necessary part of daily living, a lifeline to our friends, family, and careers. Whether it’s a short drive to the grocery store or a cross country road trip – every time you hit the road you place yourself at risk. We have a number of Carrier Partners to choose from.

If you are ever in an auto accident, regardless of fault, choices you make on your PA auto insurance policy have a significant impact on how your claims are settled.

Some key Pennsylvania Auto Insurance concepts:

Full Tort or Limited Tort – affects your ability to sue for noneconomic damages like pain & suffering. This important choice affects your whole family’s options in the case of a serious car accident.

Our licensed insurance professionals can help explain this concept, and the premium rates involved, so you can make the right choice.

Under-insured Motorists Coverage – you can collect from your own insurance company if your damages exceed the insurance limits of the negligent driver who caused the accident. Under-insured Motorists Coverage is important to consider because many drivers maintain PA auto insurance State Minimum limits!

Stacked or Non-Stacked Under-insured & Uninsured Motorists Coverage – Pennsylvania allows you to multiply your Uninsured and Under-insured Motorists coverage by the number of vehicles in the household.  Example – if your PA auto insurance policy has an Uninsured Motorists Coverage Combined Single Limit of $300,000 per accident, with stacking and there are three cars in your household, in the event of a claim you could get up to $900,000 of your damages warranted.

Our core mission is to serve the client first, which means we’ll examine your needs, compare them to our insurance company partners, and recommend the insurance company with the Pennsylvania auto policy that makes the most sense for you.

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