Blue Bell is a census-designated place in the Whitpain Township of Montgomery County, Pennsylvania. Home to over 6,000 people, Blue Bell sits between Route 202, the Pennsylvania Turnpike, and the Northeast Extension of the Turnpike. This affluent part of the Keystone State is not only easy to get to, but it’s also an easy place to live, as it once came in at #14 on Money magazine’s list of 100 Best Places to Live in the United States. Large mansions, community retail centers, major business parks and small businesses draw many people to the Blue Bell area. With all there is to see and be in this area, it’s fair to say that Blue Bell residents must know their way around a vehicle.
Formerly called Pigeontown due to an abundance of now-extinct passenger pigeons, Blue Bell includes over 1,400 households. The average income in this area exceeds $100,000, which should come as no surprise given the presence of companies and organizations from industries such as professional services, finance and insurance, healthcare, chemicals, construction, and education. Companies such as Aetna, Unisys and Unitek Global Services are either headquartered or have major operations here. Most Blue Bell residents over the age of 25 are college-educated. Getting in and around Blue Bell is a regular part of the everyday routine and having car insurance in Blue Bell, PA, is a must.
Understanding Car Insurance in Blue Bell, PA
Having car insurance in Blue Bell, PA, isn’t just a smart idea. It’s the law. The state of Pennsylvania requires its citizens to have sufficient auto insurance to pay for losses and damages associated with operating a vehicle. Failure to carry car insurance in Blue Bell, PA, can result in the suspension of your driver’s license, license plate and vehicle registration. Moreover, you may have to pay fines of up to $300. That would be quite the drag, so it’s important that you understand what an auto policy contains:
Collision coverage: Repair or replacement for a damaged or totaled vehicle
Comprehensive coverage: Repair or replacement costs for theft, vandalism, and other non-collision perils
Bodily injury coverage: At least $15,000 per person or $30,000 per accident to cover the care of costs associated with injuries to anyone involved in a car accident
Personal injury protection/first party benefits coverage: Minimum coverage level of $5,000 required to address medical bills, lost wages, funeral costs, and accidental death
Property damage coverage: At least $5,000 needed to pay for any property damaged in an accident
Underinsured or uninsured motorist coverage: Not required by the State, but at least $15,000 per person and $30,000 per accident provided for collisions involving another driver with too little insurance or none
If you ever experience a covered loss, your car insurance in Blue Bell, PA, may provide benefits for towing and renting a car in the interim. A full tort policy doesn’t restrict you from suing another driver for pain and suffering associated with injuries following an accident. Limited tort policies add this restriction, but the upside is that you may save money on your premium.
Take the Next Step
Driving without car insurance in Blue Bell, PA, is not an option for responsible drivers. Contact HUB for a customized quote today.