WHATS BODILY INJURY LIABILITY COVERAGE? Bodily injury liability coverage protects you from financial responsibilities resulting from an accident that was your fault where an involved party (other than yourself) sustains bodily injuries.  In NY the minimum required bodily injury limits of liability are $25,000/$50,000 ($25,000 per occurance, $50,000 aggregate).  Coverage can be purchased all the way up to $1,000,000/$1,000,000

WHATS PROPERTY DAMAGE COVERAGE?  Property damage coverage will protect you from financial responsibilities resulting from an at fault accident where you damage someone else’s property. The state minimum required limit of coverage is 10k. Coverage is usually provided at limits of 10k, 25k, 50k or 100k

WHATS PIP?  PIP, or Personal Injury Protection, can potentiall cover your medical expenses resulting from an automobile accident regardless of fault.  PIP can be used to cover the cost of ambulance transportation, surgical procedures, nursing treatment and possibly even loss of wages due to injury.

WHATS MED PAY?  Medical payments coverage, or “Med Pay”, similarly to PIP can cover you or your passengers’ medical expenses resulting from an automobile accident regardless of fault.  Med Pay will not cover you for loss of wages.

WHATS COMP?  Comprehensive coverage, or “Comp Coverage”, covers your vehicle repairs or replacement for losses due to fire, theft, vandalism, flood, hail or collision with an animal.

WHATS COLLISION? Collision coverage will help to cover the cost of repairs or replacement of your vehicle in the event of a collision regardless of fault.