Personal Auto Insurance
Personal Auto Insurance Tailored to Your Needs
Here at Gilbert’s Risk Solutions, we’ve been insuring automobiles for more than 100 years. We paid our first Pennsylvania auto insurance claim in 1912 – remarkably, several years before Ford’s invention of the world’s first auto assembly line. The nation’s first-ever auto accident actually happened in 1891, about four hours west of our Sharon, PA office, in Ohio City, Ohio.
While we’re proud to call Pennsylvania our home, we’ve helped individuals all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Pennsylvania is a No Fault Auto Insurance System
Pennsylvania is one of 12 states that auto insurance operates under a no-fault system, meaning your own insurance covers your medical expenses regardless of who caused the accident. Minimum required coverage includes:
- Bodily injury liability
- Medical benefits coverage
- Property damage liability
Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, and Utah are also no-fault states.
Our Coverage Enhancements
Basic coverage is just the starting point, the right add-ons can make a real difference when something goes wrong.
- Accidental Death Benefit
- Collision
- Comprehensive
- Extraordinary Medical Benefits
- Funeral Benefits
- GAP Coverage
- Income Loss
- Rental Reimbursement
- Towing
- Underinsured Motorist (UIM)
- Uninsured Motorist (UM)
We Take the Time to Understand Your Unique Needs
Your vehicles are an important part of your quality of life, enabling you to get to work and enjoy your leisure time. We want to ensure your vehicle is protected against loss, and that you’re adequately protected from liability. We invite you to find out why multiple generations of your neighboring families have trusted Gilbert’s Risk Solutions.
Our Approach
We take the same risk management approach with your personal cars, trucks, and motorcycles that we would with any other insurance policy. Before we offer any quotes, we like to get to know you and understand your unique needs.
The Right Coverage
We have hands-on access to dozens of the nation's premier auto insurance companies, so we can match the best option to your family's unique circumstances.
Value & Service
We'll explore ways to lower your costs through discounts, including mature drivers, safe drivers, safe cars, security devices, multiple cars, and bundling with other policies. We can also talk you through the pros and cons of higher deductibles, limited tort, or forgoing collision on older vehicles.
Our RISK SHIELD® Process
Even auto coverage benefits from a real process, not just a quote. Our RISK SHIELD® methodology helps us Consult, Design, Build, and Maintain the right protection for your vehicles and your budget.
CONSULT
DESIGN
BUILDING
MAINTAIN
Personal Auto Insurance FAQs
Pennsylvania requires bodily injury liability, medical benefits coverage, and property damage liability under its no-fault system.
Collision covers damage from an accident with another vehicle or object. Comprehensive covers non-collision events like theft, vandalism, or weather damage.
Yes, we have access to dozens of the nation's premier auto insurance companies, allowing us to match you with the best fit rather than a single company's product.
It depends on your vehicle, driving habits, and financial situation. Our advisors walk through your unique circumstances to recommend the right level of protection.
Discounts for safe drivers, safe vehicles, security devices, and bundling multiple policies can all help. Adjusting deductibles or coverage on older vehicles may also reduce costs.
