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Auto Insurance

Required Coverages in NY State On NY Registered Automobiles

1.Bodily Injury Liability

Pays for Bodily Injury to others you are negligent for.

Basic Limit 25,000 each person/50,000 per accident, optional coverage available up to 1,000,000 or more.

2. Property Damage Liability

Pays for property damage you cause to others property. 

Basic limit is 10,000, increased coverage available 1,000,000 or more. 

3. Personal Injury Protection PIP/No Fault:  Basic Limit 50,000 with or without a deductible.

Covers your bodily injury in case of an auto accident. Additional Personal Injury Protection available.

 

4. Supplemental Uninsured/Underinsured 

Injury caused by others who don't carry any bodily injury liability insurance (uninsured) or not enough bodily injury liability insurance (underinsured). 

Optional Coverages 

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Medical Payments

Supplemental Spousal Liability

  Can a spouse sue another spouse? Yes, this optional coverage provides bodily injury liability for a spouse who is negligent in an auto accident and injures the passenger who happens to be the wife or husband.       

Comprehensive or Other Than Collision

Full Glass:  

Collision Coverage

Roadside Assistance 

   Usually pays for roadside assistance at place of disablement (change flat tire, towing to nearest repair facility, jump-start). Limitations apply, watch for maximum payout & if Insurance company requires you to use their vendor. 

Rental Reimbursement or Transportation expense

   Reimburses expenses for a rental car on a covered comprehensive or collision claim. The coverage is limited to usually 30 days at a set limit per day ($30, $40, $50, $75, $100). 

Towing 

   Usually limited to a certain number of miles depending on the insurance company. Typically tows vehicle to nearest repair facility. Beware of limitations on winching service and feet away from the roadway.   

 

New Car Replacement

 

Accident Forgiveness

  Usually forgives one at-fault accident in 36 months.   

 

Loan Gap Coverage 

Questions:

Q. Does it matter how a vehicle is titled or owned?

A. Yes, how a vehicle is titled or owned is an important consideration on how to properly insure a vehicle.  Omitting owners/co-owners could jeopardize insurance coverage.       

Q. Does it matter how a vehicle is registered? 

A. Yes, registration name & address should match Insurance. 

Q. Is the vehicle registration the same as the vehicle Title?

A. No, the registration shows how a vehicle is registered with NY State for NY license plates. The Title shows who is the owner of the vehicle and if there are any liens on the vehicle.  

Q. Does it matter where I principally garage my vehicle?

A. Yes, the Insurance company will need to know for underwriting and rating purposes. 

Q. My auto policy cancelled, what do I do with my NY license plates?

A. NY State charges fines or will even suspend your license for not having liability insurance.  Either turn your plates in to the DMV Department of Motor Vehicles or insure your vehicle.   New York DMV | Insurance lapses (ny.gov)

Q. How do i remove a vehicle from my auto policy?

A.If you didn't insure and transfer plates to another vehicle, NY license plates need to be turned in, and the FS-6 receipt needs to be given to Agency. The FS-6 receipt is proof, from the DMV, you turned in your NY license plates. 

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