No matter where you live in the state, you are required to have car insurance to protect the community. There are certain minimums you must meet, but you can also opt for higher coverage amounts to protect yourself in the event of an accident. The minimums include $50,000 per accident for liability for bodily injury, $10,000 per accident for liability for property damage, and $100,000 per accident or $50,000 per person for accidental death. Liability coverage must remain in effect while the vehicle's registration is valid, even if you aren’t using the car. Liability coverage will pay for other people’s injuries or property damages if you cause an accident.
Besides the minimums, there are other coverage options you may want to consider staying financially protected with an agent at Liberty Brokers Corp. Underinsured and uninsured motorist coverage will protect you if you are hit by a driver that doesn’t have enough insurance or doesn't have insurance at all. It can help pay for medical bills and repairs. Comprehensive coverage can cover damage to your car from events such as fire, hail, or vandalism. Collision coverage will cover damages to your vehicle after an accident. While collision and comprehensive coverage aren’t required in New York, your lender can require that you have these. Medical payments coverage can cover you and family members who are driving the insured vehicle and are injured in an accident. This coverage will help pay for costs due to injuries. This can include hospitals, surgery, and X-rays. Personal injury protection is similar to medical payments coverage and can help pay for medical expenses after an accident. It can also cover other costs due to injuries, such as lost income. In New York, it will cover medical expenses, lost wages, and household replacement services to pay someone to help you with tasks you could have done on your own before being injured.
Contact Liberty Brokers Corp. to get a quote on auto insurance.