Required Auto Insurance in New York

Every state has its own requirements for motorists, and like others, New York requires its drivers to have auto insurance. In the state, proof of that insurance must be available at all times while you’re driving. If you drive in New York, don’t face fines, fees, and other penalties. Give us a call at Windgate Insurance Agency Inc. in New Windsor, NY to find out more. 

Liability Coverage

There are two types of liability coverage that are required in New York auto insurance, and three different amounts are required. There is an amount necessary for bodily injury for when one person becomes injured in an accident caused by you. Then, there is a second amount that is for bodily injury liability for an accident that you cause. Third, there is an amount required for property damage that is done to a third party. This can be damage to their vehicle or to anything else that was struck. These amounts are very low when compared to other states. It can be a smart decision to get more coverage than the law requires so that you are better protected. 

Uninsured and Underinsured Motorist

This coverage is required for bodily injury to you and your passengers if you were struck by a motorist with no insurance or not enough insurance to pay for your medical bills. This can also be used if you were hit by a hit-and-run driver. 

Personal Injury Protection

This coverage is required to pay for your own injuries after an accident. The required amount is on par with other states that require it, but adding to it can be helpful. 

Stay Protected With Auto Insurance

If you are a driver in New York, you have to have all of these coverage types. Don’t risk fees or having an accident without insurance. To get started, give us a call at Windgate Insurance Agency Inc. in New Windsor, NY.

What You Need to Know About Auto Insurance

Auto insurance is a unique expense. Not only does auto insurance provide us with a necessary service each month, but it also fulfills a legal obligation we have to our communities and other drivers. This gives auto insurance a top priority status in our budgets. The only way you can make wise insurance decisions is if you have the right insurance information available. At Windgate Insurance Agency, Inc., serving New Windsor, NY, we are committed to bringing you solid insurance information. Let’s take a look at what you need to know about auto insurance. 

Why Am I Obligated to Carry Auto Insurance?

In addition to the fact that most states require that drivers carry at least liability insurance, there is also an unspoken obligation to the other drivers out there. Driving is a risky business. If a car accident occurs, the drivers in danger of being injured are also in danger of being hit financially with medical bills for treatment of their injuries and the cost of having their car repaired or replaced. These financial risks could leave an individual financially vulnerable following a car wreck that was not their fault. The driver that was at fault could face the same financial dangers. Automobile insurance relieves those risks by providing a policy that will pay in the event these things happen. 

What Does Car Insurance Cover?

Most car insurance policies will provide you with collision insurance that will pay for the repair or replacement of your vehicle if you should damage it in a wreck, a natural disaster, or lost through burglary. Liability insurance is a type of coverage that will pay for the costs of another driver’s repairs or medical bills if you cause them to be in a wreck. 

If you would like to learn more about our services, please contact Windgate Insurance Agency Inc, serving New Windsor, NY.