Adamson Insurance Agency
1138 Pennsylvania Ave, Monaca, PA 15061
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1138 Pennsylvania Ave, Monaca, PA 15061
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1096 Pennsylvania Ave, Monaca, PA 15061
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2000 Beaver Ave, Suite 2, Monaca, PA 15061
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Learn about insurance coverage options specific to Monaca residents.
Monaca drivers must carry Pennsylvania's minimum requirements: 15/30/5 liability coverage ($15,000 per person for bodily injury, $30,000 per accident, and $5,000 for property damage) plus $5,000 in First Party Benefits for medical expenses. However, these minimums may not provide adequate protection in serious accidents, so higher limits are recommended.
Full tort preserves your right to sue for all damages including pain and suffering, while limited tort restricts this right unless you suffer serious injury (death, permanent disfigurement, or serious impairment). Limited tort costs less but significantly limits your legal options. If you can afford the premium difference, full tort provides better protection.
Pennsylvania drivers pay between $969 and $2,452 annually for full coverage depending on individual factors and coverage selections. Minimum coverage averages around $564 per year. Your specific rate depends on your driving record, age, vehicle, credit score, and whether you choose limited or full tort coverage.
Pennsylvania is one of three choice no-fault states, meaning your own insurance pays your medical expenses first regardless of who caused the accident. However, you can still sue the at-fault driver for additional damages depending on whether you have limited or full tort coverage. This system balances quick medical coverage access with preserved legal rights.
While not legally required, uninsured/underinsured motorist (UM/UIM) coverage is highly recommended. Pennsylvania's low minimum requirements mean many drivers carry insufficient insurance to cover serious accidents. UM/UIM coverage protects you financially when an at-fault driver lacks adequate insurance to pay for your injuries and damages.
Monaca's low crime rate (2.46 times lower than the national average) and its small-town character generally result in lower insurance rates compared to larger urban areas. The borough's decreasing crime trends and relatively safe environment mean less risk for insurers, which can translate to more affordable premiums for residents.
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