Long Island Auto Insurance
We can cover you with a policy that fits your specific needs. This will protect you against financial loss in the event of an accident.
Understanding your Auto Insurance- Auto Insurance can seem confusing. The White and Re’ Agency can help to understand the different types of coverages that make up your policy enabling you to make an informed decision and save you money. Your auto insurance is really a package of several primary coverages. Collectively, these coverages make up a standard auto policy. Below are some of the coverages that make up a policy.
Bodily Injury Liability- provides protection if you injure or kill someone while operating your car. It also provides for a legal defense if another party in the accident files a lawsuit against you. In the even of a serious accident, you want enough insurance to cover a judgement against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore it’s a good idea to have the same level of coverage for all of your cars.
Medical payments, no-fault or personal injury protection coverage- usually pays for the medical expenses of the injured driver and passengers in your car. There may also be coverage if you are injured by a vehicle as a pedestrian.
Uninsured motorists coverage- pays for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver, in a crash that is not your fault. In some states there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance.
Comprehensive physical damage coverage- pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire or animals. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
Collision coverage- pays for damage to your car when your car hits, or is hit by, another vehicle or object.
Property damage liability- protects you if your car damages someone else’s property.