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Greensburg, PA
Ligonier, PA

Charles M. Mills Insurance Agency, Inc.

Learn more about our agency.

Our agency has been protecting families and businesses throughout Southwestern Pennsylvania and statewide for well over 50 years. To this day, we continue to operate with the same commitment to each of our clients: to ensure they have the protection they need and the peace of mind they deserve.

As a proud partner with Erie Insurance, we understand the true value of service and how it positively impacts the lives of our clients. You can count on us to be there for you, whether it’s answering your questions, helping you file a claim, or shopping for new coverage.

We also understand the importance of protecting what you care about most. From your family to your possesions and business, we have the coverage options you need to safeguard your investments, your assets, and providing the peace of mind knowing that the things you value most are covered. Contact our friendly and knowledgeable team today to get started.

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As an independent agency, we are here to help you find the right coverage.

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Auto Insurance
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Insurance That Protects What You Care About

For over 50 years, we have been providing local families and businesses with personal insurance and business insurance solutions.

Personal Insurance

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.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station 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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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.

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What Makes Charles M. Mills Insurance Agency, Inc. Special

Here’s what sets us apart when it comes to serving your insurance needs.

Committed to Community

We’ve been a part of the Greensburg, PA community for over 50 years and continue to provide service with a local touch.

Clients Come First

We are dedicated to serving your needs to provide you with the protection you need and the peace of mind you deserve.

Friendly and Helpful

Our team will always greet you with a warm welcome and help you with anything you need, every step of the way.

2 Offices, Statewide Service

We are proud to serve clients throughout Southwestern Pennsylvania and beyond, including Latrobe, PA, Irwin, PA, Jeannette, PA, and Mt. Pleasant, PA.

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Charles M. Mills Insurance Agency, Inc. +
Erie Insurance

We have had a strong partnership since the beginning and strive to uphold Erie Insurance’s long-standing commitment to service.

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“Every time I call they are always very friendly, helpful, and knowledgeable. Been here for many years and wouldn’t go anywhere else!”

– Jessica Renee

Our Clients Highly Recommend Us

Hear what our clients have said about why they recommend Charles M. Mills Insurance Agency, Inc.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Expertise and Advice You Can Trust

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Protection and Peace of Mind

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Greensburg, PA

1225 S. Main Street, #206
Greensburg, PA 15601

Ligonier, PA

235 East Main Street
Ligonier, PA 15658

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