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The Problem With "Full Coverage"

Frequently, when discussing insurance coverages with new clients, they will proudly inform me that they chose (and have been paying for!) "full coverage" on their policy. Said aloud, it sounds great! But on paper? There is only one problem - you will never see it on paper because it DOES NOT exist in Pennsylvania. Unfortunately, unscrupulous or uninformed insurance agents may sell you a policy with the promise that you are receiving full coverage but the term is a misnomer. The laws of the Commonwealth only require citizens purchasing automobile insurance to purchase the following coverages in the minimum amounts stated:

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