Making Sense Of New York Auto Insurance Quotes

Written By: Colleen MacNasby on July 15, 2010 No Comment

Do you know what your New York auto insurance quote covers when you get it? It is common for many of us not to know the specifics. The are six basic forms of coverage that could be within your New York auto insurance quotes.

One that is in practically all policies is Bodily Injury Liability. It is a critical one to have. It protects you and other people on your policy in your cars or other people’s cars. It is the main protection that you need if you are in an accident and find yourself being sued. Without it, you will have to obtain the dollars to take care of everything.

Property damage liability is as the name implies. The next time that you run into a telephone pole or the neighbor’s mailbox, this is the one that covers you.

Personal injury protection deals with injuries that occur from an incident. Depending upon your type of coverage, it can cover lost wages, medical bills for you and others in the vehicle at the time of the accident.

Collision insurance handles your vehicle when it is in an incident, hits something and even damage from potholes. This type of insurance policy has a deductible of your choosing. You pay out the expense up to your deductible and then the insurance firm will cover above everything above that. This kind of insurance is one thing you may consider dropping on an older vehicle. The rule of thumb is if the price of collision (and/or comprehensive) multiplied by 10 is greater than the value of your automobile, it might be worth dropping.

Comprehensive, like collision, also has a deductible. This coverage is pretty much the umbrella insurance for all other items that can happen to your automobile. Common ones include theft or destruction which is caused by anything other than a automobile. Earthquakes, falling objects such as tree branches and windstorms are examples of this. This coverage also addresses destruction to windshields. Again, for older cars, look at dropping this coverage.

Uninsured/Underinsured motorist insurance covers if you have an accident with the increasing number of uninsured motorists now driving. If they are at fault and your automobile is damaged but there is not sufficient insurance plan to cover all of the costs, you can use this part of your policy. It will also cover you if a pedestrian is hit.

Now when you get a New York auto insurance quote, you will know what coverage you have. And you can get the best coverage without any extra cost. Having the correct amount of coverage in your NY auto insurance quotes is critical for you and your family to be safe when driving.

Looking for a New York Auto Insurance Quote, Find Out the Secrets to Getting Affordable New York Auto Insurance Today!