Forbes Insurance Agency

A competitive quote isn't our only objective. While cost is an important factor, ask any driver that's ever been in an accident and he'll tell you that great service and the right coverage are just as important.

Auto Insurance 101

Bodily Injury Liability
If you injure someone in an auto accident, this coverage pays their medical expenses and any damages for which you are liable.
Medical Benefits
This coverage pays for the treatment of injuries to you and others regardless of fault.
Property Damage Liability
This coverage pays for damage you may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car may hit.
Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over.
Comprehensive
This coverage reimburses you for loss due to theft or damage to your car caused by something other than a collision with another car or object, such as fire, flood, vandalism, or contact with animals such as birds or deer. This will also reimburse you if your windshield is cracked or shattered.
Uninsured Motorist Coverage
This covers bodily injury for you or your family if you are hit by an at-fault uninsured motorist.
Underinsured Motorist Coverage
This covers bodily injury losses for you or your passengers if you are hit by an at-fault motorist who has insufficient insurance to cover your claim.
Limited Tort
You are able to recover out-of-pocket medical and other expenses but unable to recover certain damages such as payments for pain and suffering unless injuries are defined as serious.
Full Tort
You retain unrestricted rights to bring suit against the negligent party.


**Refer to your automobile policy for specific definitions, coverages & exclusions**

Forbes Insurance Agency

3605 East Main Street

Morgantown, PA 19543

• 610-913-1501(Phone)
• 610-913-1502   (Fax)
• info@forbes-insurance.com