If you drive you must have insurance.To get the protection that works best for you, your assets and your family, you need to understand the specific types of risks and coverage:
You cause an accident.Liability coverage pays for bodily injury and property damage to another that results from covered losses you cause.
You accidentally damage your own car. Collision coverage will help repair your vehicle— or pay you for its value if it’s a total loss.If your car is leased or financed, the bank will require a specific of amount collision coverage. If you own your car, choose coverage that makes sense for you and the car’s value.
Your car is vandalized, stolen or is damaged by a storm.Comprehensive coverage can help when your car is damaged by something other than a collision.
You are hit by a driver that has no insurance.Uninsured Motorist coverage will pay you the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. This coverage can also pay the costs of your injuries when an at-fault driver has some insurance, but not enough to cover your all of your damages.
A family member is injured in a single-car accident, such as a mother and son skid off the road and hit a tree. Medical Payments coverage can help if they are caused by a covered accident — regardless of fault. This is referred to as No-Fault insurance.Many drivers mistakenly assume all their coverage is No-Fault. There is a difference between No-Fault coverage and Not at Fault.
You can’t work because you have injuries sustained in a car injury. Personal Injury Protection (PIP) can help with medical and rehabilitation expenses, as well as lost wages.
A variety of available discounts include:Multiple Vehicle, Multiple Line, New Vehicle Safety, Accident Free History, Anti-Theft Device, and Defensive Driver Training.
An auto insurance deductible is what you agree to pay “out of pocket” on a claim. Deductibles can be used to lower the cost of insurance, but need to be chosen wisely.
Many companies, especially online, will offer the lowest coverage options to entice you with a seemingly price. For example if you choose the legal minimum for property liability in New York State, you have $10, 000 worth of protection. Should you skid in the rain into an $80,000 Mercedes, the owner will sue you for the balance.
At the Cesiro Insurance Agency, we will not write any policy that we believe leaves you under-protected. Let us help you, personally, how to get the insurance that is your best value. Worry less, live more.