Spencerport, New York
24 West Ave Ste 302
Spencerport, NY 14559
(585) 349-3592

What Are the Different Types of Auto Insurance? December 5, 2017

Spencerport, Monroe
What Are the Different Types of Auto Insurance? , Spencerport, New York

Nearly every state has minimum auto insurance requirements drivers must meet, but those coverage minimums are often inadequate for most drivers. If you’re not sure what levels of insurance coverage you should get, turn to the experience of Jan Parisi Agency Inc. Jan Parisi understands minimum requirements in Spencerport, NY, and the surrounding areas and can help you decide what types of insurance you really need.

Your auto insurance policy can offer minimal or broad-spectrum coverage depending on your budget, driving habits, and other needs. A typical auto insurance policy may include any of the following:

  • Liability Coverage: This is the coverage required by most states. You typically have to present your proof of insurance to get a driver’s license or register your vehicle. There are two types of liability insurance, which cover bodily injuries and damages to personal property. If you’re found at-fault for an accident, these policies will cover the injured party’s medical expenses, repairs, and other damages.
  • auto insuranceCollision Coverage: When you include collision coverage in your auto insurance policy, you’re covered if you hit another car or a fixed object like a stoplight or median. This coverage includes the cost of repairs for your vehicle.
  • Comprehensive Coverage: This covers almost any other type of damages not caused by an accident. Policies can vary, but most cover damages from fire, vandalism, hail, theft, and even collisions with animals like deer.
  • Uninsured & Underinsured Motorist Coverage: Despite state requirements for all drivers to carry insurance, many don’t. While many others meet the minimum insurance coverage requirements, that’s often not enough to cover the damages to your vehicle or medical expenses if they’re at fault for an accident. This type of coverage will help pay for your expenses in these cases.
  • Medical Payments Coverage: This will cover medical expenses if you or any of your passengers are injured in an accident.
  • Personal Injury Protection (PIP) Coverage: PIP coverage is similar to medical payment coverage, but is more extensive. In addition to basic medical expenses, it can also cover the cost of physical therapy, loss of work, funeral and burial, and more. In addition to liability, most states also require minimum PIP coverage as well.

If shopping for auto insurance feels like an overwhelming task, enlist the help of Jan Parisi Agency Inc. She’ll discuss your needs and budget and find you the maximum amount of coverage at the most competitive rates. Follow her on Facebook for more information on the insurance products she offers, or call (585) 349-3592 to get a quote.

Other Announcements, Events and Deals from Nationwide Insurance: Jan Parisi Agency Inc
How to Get the Best Rate on Teen Auto Insurance, Spencerport, New York
While getting a driver’s license is an exciting milestone for your teenager, it can also serve as a source of newfound stress as you calculate what it will cost to insure them. Altho...read more
The Top 3 Home Safety Tips for Seniors, Spencerport, New York
Most seniors prefer to stay in their own homes as long as they possibly can. However, many residences have hazards that may increase the risk of injury and make independent living mo...read more
3 Benefits Offered by Inland Marine Insurance, Spencerport, New York
Despite its name, inland marine insurance goes beyond property related to boating. In fact, these policies protect an array of personal possessions and can even be used to expand exi...read more
WE LOVE OUR PETS, Spencerport, New York
WE LOVE OUR PETS   I think of certain friends I have that own pets, especially dogs. You know, the ones that love their beautiful Pitt Bull, and I have seen some beautifu...read more
What Is Consultant Liability Insurance and Why Is It Important?, Spencerport, New York
As a consultant, you believe in helping people accomplish their goals. No matter what type of consulting you do, whether it’s life coaching or assisting new startups to develop and s...read more