Auto Insurance

So you want to know about car insurance huh? Well here we go...

Car insurance typically offers 4 different coverages for you and your family if you sustain a loss by someone who carries no insurance or lower limits than you do..

  • Liability for injuries to others and damage to their property
  • Physical Damage Coverage for your car or cars (Also referred to as Comp & Collision)
  • Medical Expenses also known as PIP (Personal Injury Protection)
  • No-Fault Coverage & Uninsured/Underinsured Motorist Protection

These 4 basic coverages are required by the State of New York if you want to register a vehicle.

The State of New York is what they call a No-Fault state and all that means is no matter who is at fault, in the accident, your policy pays your medical bills and their policy pays their medical bills.

So with that being said, NY Auto Insurance is meant to protect you in the event that you cause injury or damage to others due to an auto accident. When you’re shopping for car insurance, there are several options to choose from--the most important is making sure the coverage that you purchase meets your needs. After all you are protecting your life and your investments, along with your loved ones around you.

Here is a basic overview of car insurance.

  • Liability Coverage is the number one most important coverage. If you cause an accident, injure someone or damage their property, this coverage is what will pay up to the limits you’ve selected. This coverage will also defend you if a lawsuit results due to an auto accident.
  • Comprehensive Coverage also referred to as Other than collision gives you coverage for missiles, falling objects, fire, theft, vandalism, riot, civil commotion, contact with bird or animal and we all know about the deer in NY state & breakage of glass…all too well.
  • Collision Coverage is for damage to your vehicle caused by hitting another car or object, your vehicle is hit by another car or if your vehicle rolls over. If you have a loan on your vehicle most banks require you carry Comprehensive & Collision Coverage until the loan has been satisfied.
  • Medical Payments help pay for small injuries to anyone in your vehicle regardless of who is at fault in the accident.
  • Uninsured/Underinsured Motorist Coverage will help pay for damages and medical expenses if you’re hit by someone with no insurance or lower limits of liability than you carry.
  • Personal Injury Protection (PIP) which in the state of New York is referred to as No-Fault Coverage. This pays for medical expenses and sometimes lost wages no matter who is at fault in the accident.

Defensive Driving Course Online

Defensive Driving Course Online

Gates-Cole also offers a New York DMV Approved Defensive Driving Course online.

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Liability Calculator Worksheet - click here

Understanding NY Car Insurance is a daunting task and having a local agent that can explain the coverage is very helpful. We at Gates-Cole Insurance pride ourselves in case-by-case customer service and being able to assist our clients in purchasing the protection they need.

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