Auto Insurance

Car insurance cannot prevent accidents but it does help financially protect the drivers who are involved in them.

Auto Insurance

Auto insurance is a contract between you and an insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

There are many different types of auto insurance coverage available, but some of the most common include:
  • Liability insurance: This covers your legal responsibility to others for bodily injury or property damage caused by an accident you are at fault for.
  • Collision insurance: This covers damage to your own vehicle caused by an accident, regardless of who is at fault.
  • Comprehensive insurance: This covers damage to your own vehicle caused by things other than accidents, such as theft, vandalism, and natural disasters.
  • Medical payments insurance: This covers the medical expenses of you and your passengers, regardless of who is at fault in an accident.
  • Uninsured/underinsured motorist coverage: This covers your losses if you are injured in an accident caused by a driver who does not have insurance or does not have enough insurance.

The amount of coverage you need will depend on your individual circumstances, such as your driving record, the value of your vehicle, and your financial situation. It is important to shop around for the best auto insurance rates and to compare different policies to find one that meets your needs.

Here are some tips for getting the best auto insurance rates:

  • Get multiple quotes from different insurance companies.
  • Bundle your auto insurance with other types of insurance, such as homeowners insurance.
  • Take a defensive driving course.
  • Maintain a good driving record.
  • Increase your deductible.

Auto insurance is an important financial protection for all drivers. By understanding the different types of coverage available and getting the best rates, you can protect yourself and your family in the event of an accident.

Because of New York’s no-fault insurance laws, you have to depend on your own insurance coverage after an accident, even if you are not liable. With this in mind, it can be easy to recognize the importance of a policy that can cover all of your needs in the event of a serious accident, or one that leads to the need for medical care. Our NYC insurance team know that feeling safe on the road can depend on more than just careful driving. Rather than picking a cheap or generic plan and hoping for the best, you can count on us to break down the advantages of different plans in order to provide you with true protection for your vehicle.


Contact us @ 718-878-6484 to further discuss