Our team will help you choose the right coverage options to avoid a financial disaster in the event of an automobile accident.
There Are Three Main Parts To An Auto Insurance Policy.
Coverage for you and your passengers is very important because New York is a No-Fault state.
This means that no matter who is at fault, you’re responsible for paying for medical expenses for yourself and your passengers. If you go to the emergency room or doctor’s office, they’ll want to see your car insurance information – not your health insurance information. The main coverages that fall primarily into this category are: Personal Injury Protection, Medical Payments, and Supplementary Uninsured/Underinsured Motorist.
Coverage for other people or property that you may be financially responsible for is important because you’ve worked hard for what you have, and you probably can’t afford to lose a chunk of it in a lawsuit.
Think of the assets you must protect including your savings and even the equity in your home. You should put thought into what you need to protect so you can select the appropriate amount of insurance to properly cover your assets. The main coverages that fall primarily into this category are: Bodily Injury Liability and Property Damage Liability.
Coverage for your vehicle if it’s damaged in an accident is also important.
These are coverages that will help pay for the repair of your vehicle if it’s able to be repaired or to pay you the pre-accident value of your vehicle if it’s unable to be repaired. These coverages can also help pay for the cost of renting a car while the repairs are being made and even provide towing coverage. The main coverages that fall primarily into this category are: Collision, Comprehensive, Transportation Expense, and Roadside Assistance.
Q: Will my auto insurance policy provide coverage when renting a car?
A: Most of the auto insurance policies our agency offers extend coverage to rental cars that are rented in the United States, US Territories, and Canada at no additional cost. If you’re renting a car outside of those areas or if you’re renting a commercial vehicle, you’ll want to purchase additional insurance.
Q: When do I need to add my son/daughter to my auto insurance policy?
A: You should add your children as drivers on your car insurance policy when the obtain their drivers license. There is no need to add them when they only have a learner’s permit. There are typically discounts for completing a defensive driving course and for earning good grades at school too.
Q: When should I drop collision coverage?
A: There is no set time you should drop your collision coverage however there are some things that you need to consider before making your decision. First, if you have a car loan, the lender will require that you keep collision coverage. If you don’t have an auto loan, you’re able to remove collision whenever you’re ready to do so. Consider the value of your car in relation to the cost of the collision coverage and decide if the cost is worth the potential payout. I typically see people drop collision coverage when their vehicle value drops below $5k or $10k but it’s purely a personal preference for you.
Motorcycles, Motorhomes, and other vehicles
We offer insurance for motorcycles, motorhomes, and other vehicles too. These vehicles are insured on separate policies from your cars but can be bundled with the same insurance company for multiple policy discounts. Please see our Powersports page for more information on insurance for your motorcycle, motorhome and other vehicles.
Notorious Capital Region Roadways
We polled our staff to find the local roadways where we see the most car accidents. Here’s the list we came up with…
Northway (Southbound) – Clifton Park, NY
Roundabouts – Malta, NY
State Office Campus – Albany, NY
Erie Blvd @ I-890 – Schenectady, NY
Alt Route 7 – Latham, NY
Broadway – Saratoga Springs, NY
Do you have any other local roadways that you think should make the list? If so, please Contact Us because we’d love to hear from you!