Clear protection for your vehicle and peace of mind on the road
Whether you are commuting through the city, driving to work, or taking weekend trips, personal auto insurance helps protect you from the financial impact of accidents, theft, and damage.
Coverage Components
Liability Coverage
Covers bodily injury and property damage you may cause to others in an accident. New York requires minimum liability limits of 25/50/10 (25k per person, 50k per accident for bodily injury, and 10k for property damage).
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. You choose a deductible amount that fits your budget.
Comprehensive Coverage
Protects against non-collision events like theft, vandalism, fire, weather damage, and animal strikes. Especially relevant in urban areas where parking risks are higher.
Uninsured / Underinsured Motorist Coverage
Covers your medical bills and vehicle damage if you are hit by a driver who has no insurance or not enough insurance to cover your losses.
Personal Injury Protection (PIP)
New York is a no-fault state, meaning your own insurance covers your medical expenses and lost wages after an accident, regardless of who caused it. PIP is required in New York.
New York Considerations
- No-fault insurance: Your own policy covers your medical bills after an accident, up to your PIP limits.
- Required coverage: Liability and PIP are mandatory in New York. Collision and comprehensive are optional unless required by a lienholder.
- Urban driving: City parking and congestion increase risks of theft, vandalism, and minor collisions. Comprehensive coverage is worth considering.
- Deductible options: Higher deductibles lower your premium but mean more out-of-pocket cost if you file a claim.
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We can help you explore personal auto insurance options that fit your vehicle, budget, and coverage needs.
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