Drivers in Selden, NY and the surrounding areas have unique automobile insurance requirements, and finding affordable auto insurance in Selden or Mastic can be a challenge unless you know who to call for guidance! Luckily, we can point you to XL Brokerage Inc. The group can give you tips on saving money on your insurance and allow you to compare rates and coverage options.
New York mandates auto liability coverage of $25,000/$50,000/$10,000. This means that each driver will be insured for $25,000 for any bodily injuries that you cause to one person, $50,000 total bodily injury for the accident, and $10,000 for any property damage you cause. Property damage typically means damage to the other person’s car, but it can also cover things like fences, utility poles, and even bicycles.
Additionally, the State of New York requires that each driver carries $50,000 of "no-fault" insurance coverage as well. No fault coverage means that bodily injuries are paid by your own insurance company, regardless who is to blame for the car crash.
Because these limits are fairly low, many automobile owners choose to raise their limits to better protect themselves and their financial interests.
One further requirement for New York State auto insurance policies is uninsured motorists coverage, and it is subject to the same minimums as the liability requirements for the state. Supplementary Uninsured Motorists Coverage (SUM) can be added, up to the bodily injury liability amounts of your insurance policy. Insurers must offer SUM limits of $250,000 per person, and $500,000 per accident if you have liability limits that match.
As you can see, there are many variables for Selden, NY drivers. Consulting with the specialists at XL Brokerage Inc. is as easy as calling 631-736-6100.