H&M
INSURANCE AGENCY
Auto Insurance in Pennsylvania & New Jersey
Affordable, reliable coverage tailored to your driving needs.
Protect your vehicle with dependable auto insurance designed for everyday drivers, families, and commuters. We compare multiple carriers to find the best rate and the right level of protection for your lifestyle.
Bodily Injury Liability
Covers injuries you cause to others in an at‑fault accident.
Property Damage Liability
Covers damage you cause to another person’s vehicle or property.
Medical Payments (MedPay)
Helps pay medical bills for you and your passengers after an accident
Optional Coverage Add‑Ons
(These can be added for extra protection.)
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Collision Coverage
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Comprehensive Coverage
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Uninsured/Underinsured Motorist
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Roadside Assistance
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Rental Reimbursement
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Gap Coverage
New Jersey Standard Coverages
Bodily Injury Liability
Required in NJ with different minimum limits than PA.
Property Damage Liability
Covers damage you cause to another person’s vehicle or property.
Personal Injury Protection (PIP)
Covers medical expenses and lost wages regardless of fault.
Optional MedPay
Available depending on carrier.
New Jersey Optional Coverage Add‑Ons
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Collision Coverage
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Comprehensive Coverage
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Uninsured/Underinsured Motorist
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Roadside Assistance
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Rental Reimbursement
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Gap Coverage
Why Choose Us?
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Personalized service
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Multiple carrier options
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Fast, accurate quotes
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Local PA & NJ expertise