Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
Specialized Insurance Solutions
Sitter Insurance, LLC offers comprehensive insurance solutions.
About Sitter Insurance, LLC
Our agency is about our customers. We’re more than just an agent in an office behind a desk and computer – in fact – our customers don’t even have to come to our office – we’ll come to them! We’re maintaining our traditional insurance roots, but with a modern touch to enable us to meet our clients expectations.
We are an independent Erie agency providing insurance specialties in home, auto, life, BOP, business auto and general liability. Because we’re independent, our priority is you—not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage and service. As your insurance advisor, we’ll help you make smart decisions—protecting you from the unexpected and planning for the predictable.
Awards and Recognition
Over 40 years
in the community
“I’ve used Sitter Insurance, LLC for years! Not only are Gary and Liz top notch agents, they’re good honest people. Will give you a very fair rate, with great customer service. Highly recommend!”James A.Erie, Pennsylvania
“Nothing short of amazing to deal with. Every time I call I get the help I need. Been with them for years.”D. T.Erie, Pennsylvania
“Very friendly and helpful staff!”Brady S.Somerset, PA
“Awesome agency!”Gina T.Pennsylvania
Bodily Injury Liability Coverage
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby or a little spill of soda and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.