What does my insurance cover?

Consider these questions:

  1. Will your auto insurance replace your car? 
  2. Will your medical costs be covered?
  3. What if you cannot work while you recover? 
  4. Worst of all: what if that driver has no Auto Insurance?

Being able to answer all of the following questions makes financial sense. And it gives you peace of mind as a New York driver--something that is hard to come by.

Just as important, you can make sure you only pay for the auto insurance you need. You can adjust coverage levels for each area of insurance.

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.

What Our Customers Say:

Larry Trapani was extremely friendly and efficient. He immediately responded to my request and provided a detailed quote in a very short amount of time. Add to that he is very knowledgeable and was able to advise me on how to maximize my coverage where it was most needed while saving money on other items. I can't thank him enough!

Michael B
Customer since 2021

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(516) 997-9800

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