The type of auto insurance policy you need will vary. While some types of coverage are required by New York State, others provide added benefits to protect you in a range of scenarios. If you’re building your car insurance package, you must understand all the options available to you. To help you create the best policy for your needs, here is an overview of what’s required and what you can add. 

What Auto Insurance Coverage Is Mandatory?

Liability

This type of auto insurance covers property damage and the medical expenses of other drivers and passengers in an accident caused by you.

New York’s minimum requirements for liability insurance are $10,000 for property damage, $25,000 for each bodily injury, and $50,000 for each death. If you don’t meet these criteria, the Department of Motor Vehicles (DMV) could suspend your license and car registration. Keep in mind that this type of policy does not cover expenses if your vehicle was damaged or you sustained injuries. 

What Else Can I Add to Supplement My Policy?

Collision

If your vehicle crashes into another car, a building, or another piece of property, collision insurance will pay for the repair or replacement costs after your deductible is paid.

This type of coverage is typically required if your car is being financed or leased by a bank or other lender. 

Comprehensive

Non-collision accidents that cause damage to your vehicle are covered under comprehensive auto insurance. This includes problems due to storm damage, fire, theft, vandalism, hail, and impact with animals.

Comprehensive coverage is generally packaged with collision protection. Lenders will also require this if your vehicle is being financed or leased. 

Uninsured/Underinsured

Although liability insurance is required in most states, there are drivers on the road who are not insured or do not carry enough coverage to protect you if you’re involved in an accident. If you’re hit by one of these individuals, you may have to  pay out of pocket for your repairs and medical expenses.

This type of coverage prevents this from happening, providing funds that the other party’s insurance doesn’t offer.

Personal Injury Protection

Regardless of who was at fault in an accident, personal injury protection (PIP) will pay for the medical expenses if you or your passengers are injured.

If you don’t have health insurance, PIP is a great investment for preventing medical costs from putting a dent in your wallet. Depending on the policy, this coverage may also pay for funeral expenses or lost wages while the injured person recovers.

Mazzola Insurance in Rochester, NY, specializes in providing a wide range of affordable coverage options for all your vehicles. As an independent agency, they offer policy choices from several leading auto insurance carriers. A friendly and experienced agent will work with you to build a comprehensive plan designed for your unique needs. Learn more about their agency online or call (585) 266-7130 for a free, no-obligation quote.