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Home > Auto / Car Insurance - Boyertown PA & Gilbertsville PA

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Accident Claim
Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy

Auto Insurance Information

If you rely on your vehicle for daily commutes and other necessities, you should have auto insurance. The right auto insurance policy can limit out-of-pocket repair and recovery expenses following a car accident or other incident. If you need auto insurance, contact the professionals at Gerhart, Hartman & Ritner to learn more about your options for coverage. 

What Does Auto Insurance Cover? 

Policies vary depending on various factors such as your car’s model and your driving history. However, a standard auto insurance policy can include the following: 

  • Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
    • Bodily injury liability coverage helps cover their medical bills (and in some cases, deaths).

    • Property damage liability helps pay for damage to the other driver’s property, such as their vehicle.

  • Collision insurance helps cover damage to your vehicle after a wreck.
  • Comprehensive Insurance helps pay for non-accident mishaps, such as weather damage.
  • Medical payments (MedPay) coverage helps pay for your medical bills and those of your passengers if injuries are sustained in an accident.
  • Personal injury protection (PIP) coverage helps pay for your medical bills and lost wages caused by an accident.
  • Uninsured/underinsured Insurance helps insure against damage caused by someone else who doesn’t have adequate liability coverage.


The Gerhart, Hartman & Ritner Insurance agents can help you learn more about coverage options. 

How Do Auto Insurance Claims Work? 

If you are involved in a car accident and need financial assistance, you should file a claim with your insurance carrier. After an investigation of the accident, you will be given a certain amount of money to help cover accident-related costs. Depending on the type of claim you file, you may have to pay a deductible, which is a designated out-of-pocket cost you’ll cover before your insurance coverage kicks in. 

How Many Auto Insurance Claims Is Too Many? 


Although there is no limit to the number of claims you may file per year with your auto insurance company, your insurer may choose not to renew your policy if you file an excessive number of claims. We can discuss the claims you may have made and if there are measures which may help prevent your needing to file a claim. 

How Much Auto Insurance Coverage Do I Need? 

An auto insurance policy gives you financial protection. As a no-fault state, Pennsylvania requires all drivers to have personal injury protection (PIP) coverage to help pay for injuries from a covered car accident, regardless of who is at fault. Pennsylvania state law also requires drivers to carry minimum levels of liability coverage.  

However, meeting Pennsylvania’s minimums on auto insurance may not mean you are adequately insured. The right amount of auto insurance can help protect you against financial loss. We can ensure you have suitable auto insurance coverage for your needs and to meet the state’s requirements. 

Contact Our Agency 

If you are a car owner near Boyertown, Pennsylvania, the agents at Gerhart, Hartman & Ritner Insurance can help you learn more about auto insurance policies so you can select the right policy for your car. 

For additional questions, don’t hesitate to contact our agency today at 610-367-2544. 

Contact Us Today!
610-367-2544

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138 S. Reading Ave. | Boyertown, PA 19512
P: 610-367-2544 | Fx: 610-367-2656 |
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