Auto Insurance

Our insurance professionals can customize a policy
to meet your specific insurance needs.

New York State requires that you purchase a minimum amount of certain kinds of coverage. The minimum liability limit in New York State is currently $25,000 per person/$50,000 per accident for bodily injury and $10,000 for property damage. If you are able to purchase more protection it makes sense to buy more than the required amount. Listed below are some terms to help you interpret your policy.

Liability coverage is the cornerstone for any auto insurance policy and is required by New York State. If you are at fault for an accident, your liability coverage will pay for bodily injury and property damage caused to another party in the accident as well as any legal bills.

Bodily Injury coverage pays for medical bills and lost wages.

Property damage coverage pays for the repair or replacement of "things" damaged other than your own car.

Collision coverage will pay to repair your vehicle and is paid on an actual cash value basis (value of your vehicle at the time of the loss) and is subject to a deductible.

A deductible is the amount you are responsible for in the event of a collision or comphrensinve loss.

Comprehensive coverage will pay for damage to your vehicle that was not caused by an auto accident. Theft, fire, vandalism, hitting an animal and weather related incidents are covered under this coverage.

Medical payments coverage will pay for you and your passenger's medical expenses after an accident.

Personal Injury Protection (PIP) is an expanded form of medical payments and is required in New York State.  Also known as "No Fault".

Uninsured/Underinsured Motorist coverage pays for your injuries in the event that you are struck by a hit and run driver or a driver who either has no insurance or not enough liability insurance to cover your injuries.

Optional coverages that are also available are rental reimbursement and towing and labor.


Please call us today if you have any questions or if you would like us to quote your auto policy, please visit our quote page and we will contact you with a rate.