If you would like to obtain a quotation for insurance, please complete our request for auto insurance, and we will contact you to review your automobile insurance needs.

Important information you should know:

The State of New York requires all registered motor vehicles to be insured for liability, personal injury protection (PIP), and uninsured motorists coverage.  Collision, comprehensive, and other coverage enhancements are optional.

What is liability coverage?

Liability coverage pays for injuries to other people (bodily injury) or damages to their property (property damage) if you are responsible for their losses.  New York State law requires bodily injury limits of $25,000 per person, and $50,000 per accident, and $10,000 for property damage.  Some companies sell a combined single limit for bodily injury and property damage of at least $35,000 per accident.  Both of these options are the state minimum. 

With the rising costs for health care, and vehicle repair cost, we recommend that you purchase higher limits of liability coverage at an additional cost.  The cost to increase coverage is not as high as you may think.

What is Personal Injury Protection (PIP)?

Mandatory personal injury protection will pay first-party benefits to reimburse for injuries sustained by an eligible injured person for medical expenses, loss of earnings up to a maximum of $2,000 per month, and other reasonable and necessary expenses.  The minimum amount of coverage is $50,000, and higher limits are available.  Upon the death of an eligible injured person, PIP will also pay to the estate of such person a death benefit of $2,000.

What is Uninsured Motorists coverage?

Uninsured motorists coverage protects you against other drivers who have no insurance and are legally responsible for injuries to you, or your passengers.  The minimum limit however is only $25,000 per person, and $50,000 per accident.  Higher limits are available up to your liability limit.

What is Collision coverage?

Collision coverage pays for damages to your vehicle caused by your vehicle striking other objects such as other vehicles, trees, telephone poles, or for the vehicle overturning.  The standard deductible is $200, which you will be responsible for in the event of a loss.  Higher deductibles are available, which will reduce the premium.

What is Comprehensive coverage?

Often know as "other than collision", this coverage repairs damages to your vehicle as a result of: Missiles or falling objects; Fire; Theft or larceny; Explosion or earthquake; Windstorm; Hail, water or flood; Malicious mischief or vandalism; Riot or civil commotion; Contact with bird or animal; or Breakage of glass.  The standard deductible is $200, which you will be responsible for in the event of a loss.  Higher deductibles are available, which will reduce the premium.  Full coverage window glass is also available, which would  replace the window glass without a deductible, with an additional premium.