Auto Insurance
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For over 50 years, drivers across New York have trusted Brooks-Waterburn for reliable auto insurance solutions.
We cover the auto insurance industry.
Many serious auto accidents in New York are caused by speeding, distracted driving, and following too closely.
You can’t always prevent a dangerous road situation, but with the right New York auto insurance, you can better protect yourself and your vehicle.
The 6 Components of New York Auto Insurance
Personal Injury Protection
This coverage pays medical and funeral expenses for you and members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.
Property Damage Liability
It covers the damage your car causes to property, usually the other car or cars involved in the accident but also any objects you may hit (fence posts, garages, buildings). This is also required in most states.
Bodily Injury Liability
It pays the medical and other expenses of people injured in an accident you cause. This is required by most states.
Comprehensive
This covers damage to your car that results from something other than a collision, for example damage caused by vandals or a windstorm.
Uninsured/Underinsured Motorist
This pays for injuries to you, and, in some cases, damage to your car, if you are hit by a driver who doesn't have insurance.
Collision
It covers the damage done to your car when it collides with another car or an object.
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