Comprehensive Auto Insurance Solutions

Auto insurance typically covers liability for bodily injury and property damage, collision coverage for damages to your vehicle, comprehensive coverage for non-collision incidents, medical payments, and uninsured/underinsured motorist coverage.

Yes, New York state law requires all drivers to carry minimum liability insurance, personal injury protection (PIP), and uninsured/underinsured motorist coverage.

The cost of auto insurance is based on factors such as your driving record, age, location, type of vehicle, coverage limits, and your credit score.

No-fault insurance, also known as Personal Injury Protection (PIP), covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.

Yes, many insurers offer discounts for safe driving, bundling multiple policies, installing safety features in your vehicle, having a claims-free history, and taking defensive driving courses.

If you’re in a car accident, ensure everyone's safety first, call the police, exchange information with the other driver, document the scene with photos, and report the accident to your insurance company as soon as possible.

Collision coverage pays for damages to your vehicle resulting from a collision with another car or object. Comprehensive coverage pays for damages caused by non-collision events such as theft, vandalism, fire, or natural disasters.

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have enough insurance or no insurance at all. It covers medical expenses and damages to your vehicle.

You can lower your premium by increasing your deductible, bundling policies, maintaining a clean driving record, installing safety features in your vehicle, and taking advantage of available discounts.

In addition to the standard coverages, you might consider adding roadside assistance, rental reimbursement, gap insurance, and higher liability limits to ensure comprehensive protection.