The Facts about New York Auto Insurance
New York offers great opportunities for both beautiful, scenic, open areas and bustling energetic city atmospheres. Finding affordable auto insurance in Selden or Mastic is as simple as going online and comparing rates for the best policy. If you don’t have a lot of time, let an independent agent like XL Brokerage Inc. compare quotes from all of the top providers in the state.
In addition to basic liability coverage, you will also need to carry personal injury protection or “no fault” insurance. This coverage will take care of medical costs and lost wages for passengers or other individuals who may be injured in an accident – regardless of who is found to be at fault.
Of course “no fault” coverage does not take care of damages to your vehicle or any other cars that may be involved in the accident. Also, personal property, such as garages or bicycles, are not covered by this protection. This coverage is to help with medical and work expenses due to an injury incurred in an auto accident.
New York drivers must also carry uninsured motorist coverage. Although you may not want to purchase this type of insurance, it will protect you and your family if you are involved in an accident and the other driver does not have coverage. You will need this financial support if you are involved in a hit and run or an accident with someone with no financial resources.
Liability insurance is the coverage you need to help pay for the other person's vehicle if you are involved in an accident. You need to make sure you carry at least the state minimum limit and you may want to increase your coverage to make sure you are protected. Full coverage on your vehicle will allow you to replace or repair your own car.
Overall, whether you live in Coram or Centereach New York, you need to compare quotes for auto insurance before making a final decision on a policy. Independent agents are able to quickly compare quotes from all of the top providers in the state and find the best policy in the area.