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Q: What types of auto insurance might cover an accident that occurred when my car slid in a pile of wet leaves in the middle of the street and hit a telephone pole?

Both wet and dry leaves can cause problems on the road. Wet leaves can be slippery, causing your tires to slide around on the road. As a result, you may overcorrect or lose control of your car. Dry leaves often hide large pot holes and objects that could cause damage to your vehicle. If you are unable to avoid objects in the road, you may find yourself in an automobile accident, and the types of auto insurance that will cover the crash depend largely on the facts of the accident.

Types of Car Insurance Coverage

While there are many car insurance coverage options in Pennsylvania, three main types of coverage might be a factor—liability, comprehensive, and collision. Not all auto insurance policies cover the same types of damage, so it is important to know what your insurance will pay for and what it will not. Following are some things you need to know about these coverage options:

  • Liability. Pennsylvania requires liability insurance, which pays the bills that occur when you cause a car accident resulting in injuries or property damage. However, if the claims exceed your coverage limit, you may be responsible for the excess.
  • Comprehensive. This type of coverage pays the bills for damages that result from something other than a car accident. For example, if your car is stolen, vandalized, or damaged by a storm, comprehensive coverage will pay to have it repaired or replaced. This type of insurance is optional in Pennsylvania.
  •  Collision. Collision pays for damage to your car that occurs if you hit another vehicle or object. People with older cars that have less value do not usually purchase collision coverage—it is optional in Pennsylvania.

We all know that Pennsylvania requires drivers to purchase minimum levels of car insurance. However, the minimum coverage is inadequate for most people, so before you head out on the road, be sure you have an auto insurance policy in place that truly meets your needs to avoid being stuck with a big bill after an accident.

Have you been involved in a car accident caused by a negligent or careless driver? Contact our friendly legal team at (717) 888-8888 to discuss your specific situation. We are standing by to help you.