Auto Insurance


Here at Gilbert’s Risk Solutions, we’ve been insuring automobiles for more than 100 years! We paid our first Pennsylvania auto insurance claim in 1912, remarkably several years before Ford’s invention of the world’s first auto assembly line.

The nation’s first-ever auto accident actually happened in 1891 about four hours west of our Sharon, PA office, in Ohio City, Ohio, when a gas-powered buggy hit a tree root and then crashed into a hitching post. Both the driver and his passenger were injured.


Since the earliest driving days, transportation accidents have been a growing problem, ranging from fender benders to multi-vehicle fatalities. Auto insurance has grown in complexity since that time to cover the many costs associated with motor vehicle accidents, which cost the nation hundreds of billions each year.


While the times have changed, our concern for our neighbors hasn’t. We’ve kept up with the changes, but we still focus on the essentials: honesty, integrity, and service.   


While we’re proud to call Pennsylvania our home, we’ve helped individuals all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

In Pennsylvania, auto insurance is no-fault system. Minimum required coverage includes


  • Bodily injury liability
  • Medical benefits coverage
  • Property damage liability


Coverage enhancements:


  • Accidental Death Benefit
  • Collision
  • Comprehensive
  • Extraordinary medical benefits
  • Funeral Benefits
  • GAP Coverage  
  • Income Loss
  • Rental Reimbursement
  • Towing
  • Underinsured Motorist (UIM)
  • Uninsured Motorist (UM)

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

We take the time to understand your unique needs

Your vehicles are an important part of your quality of life, enabling you to get to work and enjoy your leisure time. We know that and want to ensure that your vehicle is protected against any loss, and also that you are adequately protected from liability. We invite you to find out why multiple generations of your neighboring families have trusted Gilbert’s Risk Solutions.

Our approach

The Gilbert’s team takes the same risk management approach with your personal cars, trucks, and motorcycles that we would take with any other insurance policy that we provide. Before we offer any quotes, we like to get to know you and understand your unique needs.

The right coverage

We have hands-on access to dozens of the nation’s premier auto insurance companies so we can match the best option to you and your family’s unique circumstances. While the basic coverage might vary little from policy to policy, there are many options and add-ons that might make sense for you. (See a few listed in the sidebar)

Value & service

We‘ll explore ways to lower your costs through discounts, including mature drivers, safe drivers, safe cars, security devices, multiple cars and bundling with other policies. There are also ways to reduce your Pennsylvania auto insurance costs by choosing higher deductibles, limited tort, or forgoing collision on older vehicles. We can talk you through the pros and cons of the options.