Insurance insider Dave Leber, owner of Leber Insurance Group, joins host Michael Saile on The Injury Pros Podcast to demystify auto and homeowners insurance in Pennsylvania. Dave explains how independent brokers shop many carriers (vs. “captive” agents who can only sell one company), why most policies he audits are missing critical uninsured/underinsured motorist (UM/UIM) protection, and how stacking, tort options, and property damage limits really work.

You’ll hear practical guidance on bundling, what actually triggers premium hikes, how credit and “insurance scores” affect eligibility and pricing, why a $0 glass deductible is worth it, and why brokers re-shop your policy every renewal instead of putting you on autopilot.

The conversation also covers PA-specific pitfalls like low state minimums (15/30) and limited vs. full tort... and why Dave won’t write liability limits below 100/300.

Whether you’re buying your first policy or reassessing coverage, this episode gives you a broker’s playbook to buy smart, protect your family, and avoid costly gaps.

Key takeaways:

• Work with a broker to access many carriers and re-shop annually

• Don’t skimp on UM/UIM and stack it when you have multiple vehicles

• Aim for at least 100/300 BI and $100k property damage

• Consider full tort if you can afford it

• Add $0 glass; deer hits are comprehensive, not collision

• Claims (even not-at-fault) affect pricing tiers; UIM/UM claims generally don’t

Learn more at

Injury Pros: https://injurypros.com

Cordisco & Saile: https://cordiscosaile.com

Leber Insurance Group: https://leberinsurancegroup.com.

Michael Saile is a trial attorney and host of The Injury Pros, helping Pennsylvanians navigate insurance and injury law at Cordisco & Saile.

Dave Leber is an independent insurance broker and owner of Leber Insurance Group in Newtown, PA, advising clients on home, auto, business, life, and benefits.