Auto Insurance
See How Much You Can Save
For 50 years, residents in Farmingdale and throughout Long Island have enjoyed unmatched auto insurance options from Brooks-Waterburn.
We cover the auto insurance industry.
In 2008, the highest fatalities in New York came from drivers going above safe speeds and following others too closely.
You can't always prevent being in a dangerous road situation -- but with solid auto insurance, you can protect yourself.
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.
Home Insurance
Homeowners insurance used to be called fire insurance, but that name doesn't give this insurance policy full credit.