West Babylon, New York Car Insurance
In most states, you are required to carry certain types of coverage with minimum liability limits on your vehicle. Although few, some states do not require liability insurance, but you legally must be able to pay for losses caused to others.
Auto Insurance is broken down into different parts. Some coverages are optional and some are required by your state and your lienholder.
Auto Insurance Coverage options in West Babylon, New York:
Bodily Injury Liability will pay for injuries and property damage the policyholder causes to someone else up to the policy limits. With the ever-increasing cost of medical expenses and the cost of vehicles today, it is wise to examine your liability limits occasionally to be sure you will be able to cover the cost of medical treatment or repairing or replacing someone’s damaged vehicle.
Medical Payments coverage, or sometimes call PIP (Personal Injury Protection) will pay medical expenses up to a specified dollar limit for you and passengers in your car who are injured in an automobile accident, regardless who is at fault. Included in this coverage is the cost of treating injuries, rehabilitation, sometimes lost wages, and some funeral expenses.
Uninsured/Underinsured Motorist Coverage covers you if you are involved in an accident with a hit-and-run driver, or if you are injured in an accident by a person who is uninsured or not carrying enough liability insurance to cover your injuries.
If you have a lienholder on your car you will most likely be required to carry full coverage on your vehicle, which usually includes collision and comprehensive coverage.
Collision coverage will pay for damages to your vehicle in an at fault accident. Repairs are usually paid up to fair market value. This coverage can come with a deductible and the more you can pay towards repairs, the less your premium will be.
Comprehensive covers damage done to your car that doesn’t involve a collision, such as theft, vandalism, flood, glass breakage, or fire. Like collision coverage, comprehensive can also come with a deductible.
Optional Coverage can include towing, rental car reimbursement, or roadside assistance.
And be sure and ask about discounts for multi-car, good student, good driving and loss records, Safe Driving Programs, and bundling with other policies.
Please call our office for a quick review of your coverages. Our professional auto insurance agents in West Babylon New York including the Baldwin, Freeport, Merrick, Rockville Centre, and West Hempstead areas.