1666 Newbridge Road,
Driving a car in New York can be a real challenge at times. In fact, some areas in the state are as famous for their traffic jams, as they are for the great food and entertainment they have to offer. If you want to drive your car in Bellmore (or anywhere else in New York) you must have auto insurance. There are many different policies and options and unless you have the right coverage, you could end up with serious financial problems.
Let's check out an example of what can happen when you choose to take out only minimal auto coverage.
George B and his wife Emma both had nice vehicles but George didn't want to drive his full-size pickup truck to work each day because of the gas mileage. To solve this problem, he bought an inexpensive used mid-size car for about $2,000. He decided to carry just the minimum amount of car insurance for New York drivers and for over a year, he had no problems.
One day George was on his way home from work and it had been a miserable day at the office. He was talking to his wife on his cell phone when he became distracted by a dog running across the path of his car. George swerved to avoid the dog and caused a four car crash at an intersection. This resulted in major injuries and property damage claims on his automobile insurance. In fact, the total claims came to $195,000.
This was not good for George because his insurance only paid $50,000 for medical claims and $10,000 for property damages. Needless to say, George's life was about to get very complicated for many years to come, and all because George only had minimal liability coverage.
The state of New York requires financial responsibility which is best satisfied with the minimal liability insurance. Plus, if you have a car loan, the lender will demand you insure your car. Also, you'll want to protect the investment you have made in your vehicle.
Anyone who drives in New York must have insurance, as it is a no-fault state. This includes the following vehicles:
Because it is a no-fault state, you will need to have several types of insurance coverage. Let's take a closer look at the mandatory requirements, PIP, liability, and uninsured motorists.
Personal injury protection is designed to pay for medical bills incurred from an accident in which you are at fault. It also covers issues like lost wages and expenses related to the accident, like transportation to and from the doctor office. This also includes short term disability and lost wages.
In New York you must have at least 25/50/10 liability. This stands for:
You must have protection against drivers not carrying insurance. This also includes motorists with insufficient coverage, and hit and run incidents.
The most important option most New York drivers should consider is raising their liability limits above 25/50/10. As you read in our example story, these limits are far below what you should have. You also may want to consider these options:
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When it comes to automobile insurance, what you don't know can hurt you. There is no need to take unnecessary chances with your insurance when it costs nothing extra to have professional assistance with every aspect of your insurance. Check us out today by filling out the free quote section of this page or call us at 1-516-781-9000.