Automobile insurance is a requirement in Pennsylvania. If you have the state minimum, you're covered, but is that enough, and what does minimum coverage mean? 

Think about all of the distractions involved with driving; music, passengers, driver's that eat and drink, text and use their cell phones. A few seconds behind the wheel, with a lack of focus, could leave you having to pay thousands of dollars in liability, medical and repair fees. 

Coverage limits are important because insurance helps you share the expense of a covered loss through your deductible. No matter what the year, make, and model of your vehicle, an accident will impact you and possibly other drivers, pedestrians, and property.   

However, accidents can be avoided. Got a passenger riding with you? Ask her to change the channels or manage the controls for your music on the vehicle's dashboard.

Stop at stop signs; yield before merging, be careful when turning right on red, use your turn signals, and watch out for kids playing in school zones and residential neighborhoods.

Plan ahead when you're traveling, day or night. Unfamiliar roads and traffic flow can create anxiety which could impact decision making and response time.

Driving in a rush could save a little time, but it also puts you and other drivers at a greater risk of being in an accident.

If your driving includes delivery, long distance traveling, or car pooling, make sure your policy covers how your car is being used. 

Finally, plan your next insurance appointment with The Lee McFerren Agency. We can help you find an insurance company that offers a policy for your lifestyle that includes coverage and the peace of mind that you deserve.