Why Drivers in New Windsor, NY, Need More Than Just Liability Insurance

While many NY drivers only have liability insurance to save money, carrying only the state minimum in auto insurance can be costly in the long run.

Unexpected auto accidents can result in injured drivers and high out-of-pocket costs for car repairs and medical bills not covered by liability insurance. State minimum coverage also offers no protection from noncollision events, including theft, vandalism, and natural disasters.

Out-of-pocket expenses for liability-only policyholders can leave them reeling when noncovered events happen. Alternatives to carrying state minimum insurance are to upgrade your policy to include collision or comprehensive coverage.

Protect Your Car and Financial Assets With a Comprehensive Auto Policy 

Comprehensive auto insurance can safeguard you, your car, and other drivers from weather-related accidents, collisions with uninsured and underinsured drivers, and other covered perils, like:

Severe weather damage: Hudson Valley storms can be brutal, and the resulting weather damage can be costly for liability-only insurance policyholders.

Animal or wildlife collisions: The risk of hitting a deer or other wildlife on dark, rural, or snowy roads is high in this region. Comprehensive insurance can help repair your vehicle.

At-fault accidents: Winter weather, like icy roads, can lead to accidents and property damage. Collision coverage can help repair your vehicle.

Uninsured and underinsured motorist (UM/UIM) accidents: If another driver crashes into you and they don’t have insurance or don’t have enough insurance, UM/UIM protection can offset repair costs and related medical bills.

Talk to a trusted local agent at Windgate Insurance Agency Inc. in New Windsor, NY, to learn more about extended auto insurance coverage!