What does auto insurance cover?
Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal
Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.
Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.
Collision coverage – Pays for damage to your car when it hits or is hit by another object.
An auto insurance policy is required to operate a motor vehicle throughout the United States. A comprehensive auto insurance plan can protect you by assessing
your liability in an accident and fending off illegitimate claims.
Two types of auto insurance are mandated in the US: The no-fault system and the tort system. Used by most states, the no-fault system stipulates that your insurance company will pay your injury claims in the event of an accident (up to a predetermined limit), no matter who caused it.
The tort system, by contrast, stipulates that those who are injured in auto accidents must seek out-of-pocket medical care, and then hold the insurance company of the driver responsible for reimbursement. Such individuals must be able to prove that the medical care was reasonable and necessary. Under this law, the party at fault cannot sue for reimbursement of medical expenses.
We also consult on the following auto insurance policies:
For more information, please contact our auto insurance specialist:
Office: (631) 464-4052
Fax: (631) 464-4053
Cell: (631) 921-9992
Or use our contact form.
Call us anytime, even outside of our regular business hours:
OFFICE (631) 464-4052
FAX (631) 464-4053
You may also want to request a quote.
4 Point Reduction on Driving Record
If you have incurred violations during the 18-month period prior to completing the course, up to 4 points will automatically be reduced on your driving record
10% off INSURANCE PREMIUM
Complete the Point & Insurannce Recustion Program and you become eligible for an immediate 10% discount on you r Collision and Auto Liability premium. This includes Property Damage (PD), Bodily Injury (BI), and Personal Injury Protection (PIP). Your discount will apply to all vehicles for which you are the principal operator for
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