Category: Auto Insurance

It would be best if you didn’t underestimate the importance of selecting an auto insurance policy. Your auto insurance is a key financial product that you’ll rely on to protect you if you’re ever involved in an accident.

At Stalwart Insurance, we sell auto insurance policies that meet motorists’ needs in Pittsburgh, PA. The following are three common misconceptions about auto insurance in Pennsylvania that you need to be aware of.

Comprehensive coverage covers any possible type of auto insurance need.

Comprehensive coverage is a certain type of auto insurance coverage. However, the name can be a bit deceiving. Comprehensive coverage means coverage for every type of damage your vehicle can experience outside of a collision. 

Comprehensive coverage alone only covers you for damage from certain causes such as flooding or theft. However, comprehensive coverage does not cover damage to your vehicle from an accident. For this, you need to purchase collision coverage. 

You won’t be held liable for accidents in your vehicle if you weren’t driving.

Some motorists think that they can let their friend borrow their vehicle without being held liable if their friend gets in an accident. Actually, you may be held liable if someone else gets in an accident while driving your vehicle. This is why it’s important to be careful about letting others borrow your vehicle.  

Your rates always go up after you get a ticket.

It’s true that your auto insurance rates are related to your driving record. If you have many serious citations on your record, you’re going to pay more for coverage. However, generally speaking, your rates shouldn’t go up significantly after only one ticket. 

Learn more about auto insurance in Pittsburgh, PA by calling us at Stalwart Insurance. We’ll answer all of your questions about meeting your insurance needs in Pennsylvania. 

  Shopping for auto insurance for the first time can be daunting, especially when you are not familiar with the terms used. Terms such as ‘liability coverage” are prevalent in the insurance industry. If you are not sure what it means, you may end up making the wrong choices. Seeking help from an insurance expert at Stalwart Insurance serving Pittsburgh, PA is a prudent idea.

We will help you understand everything about insurance and find coverage that best fits your needs, lifestyle, and budget. The following three risks will help you understand how liability is related to your auto insurance.

1. It puts your vehicle at risk

Liability coverage is an insurance policy that only covers the damage or bodily injury of another driver when you are involved in an accident. That means that you and your vehicle are not in the picture. If you are injured or your vehicle is damaged in the same accident, and you were at fault, your liability insurance may not help.

2. Your financial security is not safe either

Liability touches the most critical part of insurance–finance. Even if you are the best driver in Pittsburgh, PA, you can still be involved in an accident where you are at fault. In such a case, you will most likely need thousands of dollars to pay for your medical bills as well as make significant repairs-resulting to financial jeopardy.

3. Your health is in danger

When you get liability coverage, it is critical to have in mind that it is not for you but for other road users whom you may hurt in an accident. If you are seriously injured in an accident where you were at fault, liability coverage may not help you.

To learn more about your safety on the roads with auto insurance, visit Stalwart Insurance in Pittsburgh, PA today!  

From the snow-covered mountains to the quaint small towns nestled in the hills with snow-covered rooftops, the winters in the most Eastern states can be gorgeous, but the snow can also cause some treacherous road conditions. Here are some tips from Stalwart Insurance in Pittsburgh, PA for safe winter driving in this beautiful state.

Before You Hit the Road

Before heading out on snow or ice-covered roads, be sure to let someone know where you will be traveling and take your cell phone with you. Be sure to fully charge your phone before you take off and stop at a nearby gas station to fill your tank, just in case you do get stranded. Throwing a blanket in the back of your vehicle is a good idea, also, in case your heater does not work, and you need to keep warm until help arrives.

Driving Uphill

Be sure to keep going as you drive uphill on snow or ice-covered roads and to keep your vehicle in high gear. That means, do not stop because if you do, you take a chance on you and your vehicle sliding back down the hill.

Downhill Driving

When traveling down a hill, keep your vehicle in a low gear to decrease your overall speed, and you will not have to use your brakes as often. Braking can cause sliding, which you will want to avoid.

Studded Tires

Studded tires will help keep you and your vehicle on the road and will assist you in climbing steep roads that head uphill.

Stay in Control

Do not use your vehicle’s cruise control feature when navigating snowy roads. If you do, you will not have as much control over the acceleration and deceleration of your vehicle, which you need when traveling on treacherous roads.

Use these tips to stay safe while enjoying your drive through beautiful landscapes. For more tips and to ensure you have proper insurance coverage, visit Stalwart Insurance in Pittsburgh, PA in person, or contact us online.