Auto Insurance Information
Driver-Specific, Affordable Policy Options for all New York Drivers
New Yorkers, particularly those who live downstate and on Long Island, don’t have to go far to understand how congested and dangerous their local roadways can be. It’s not enough to just be a safe driver and hope for the best; you need to have the benefits provided by a strong auto insurance plan in order to make yourself truly secure behind the wheel.
The car insurance market is saturated with insurers and policy options, all of them promising you the best protection out there. But just any policy might not be the best policy for you. That’s why you should be able to rely on your insurance agent to point you in the direction of the right coverage. Here at Keats Insurance, we’re committed to helping every client search the market, compare policy options and maximize the affordability of their perfect benefits.
Call us at (800) 871-1992 or request your quote on coverage now.
Common Auto Insurance Questions
Why Do I Need Auto Insurance?
Even if you have saved money to pay for vehicle damage, and even if you think you are a safe driver, you cannot eliminate all of the liabilities associated with owning or operating a vehicle.
Car insurance policies create a way for you to receive assistance with the costs of these problems if they pop up unexpectedly. Your plan therefore can substantially lessen the personal cost burden you suffer as a result of a problem behind the wheel. It’s something that anyone needs, and is so important, in fact, that most drivers are required to carry it.
What Does Auto Insurance Cover?
There are numerous benefits that you can include in a single auto policy, such as:
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Other benefits that can help you further customize your plan include:
What Auto Insurance is Required by Law?
New York law requires drivers to carry minimum amounts of the following coverage:
Personal Injury Protection (No-Fault PIP Coverage)
Under New York’s no-fault insurance laws, you must first file against your own PIP coverage for injury costs regardless of whether the accident was your fault or someone else’s. Only after meeting certain thresholds can you file against someone else’s bodily injury liability coverage.
$25,000 bodily injury liability insurance coverage per person
$50,000 bodily injury liability insurance coverage per accident
$10,000 property damage liability insurance
The minimum limits for bodily injury coverage increase to $50,000/$100,000 in the event of a third party’s death.
Uninsured/Underinsured (UM/UIM) Motorist Coverage
$25,000 bodily injury coverage per person
$50,000 bodily injury liability coverage per accident
$10,000 property damage coverage
You can increase your liability, PIP and UM/UIM benefits so that they will provide higher protection.
Please Note: Drivers who have financed their vehicles might have to buy comprehensive, collision, gap and other benefits if required by their lender.
How Much Auto Insurance Do I Need?
Generally, the more auto insurance you buy, the more coverage you will receive. This will mean paying close attention to the terms of your policy, including:
How much your physical damage insurance will pay you for vehicle repairs and for a totaled car.
The deductibles included on various parts of your plan, which define how much of a claim’s cost you will agree to pay yourself.
Of course, we understand that you might worry that by increasing your coverage, you will cause your premiums to rise. However, with our ability to search a wide network of policy options that offer competitive rates, we’ll be able to easily locate the plan that offers you the best possible benefits that still remain within your budget.