NY Car Insurance Basics

Brush up on the basics of NY car insurance. We’ll explain the different coverages of a basic policy here.

Bodily Injury Liability

Bodily injury liability protects you if you hurt or kill someone while driving your car. Your NY car insurance quote should include this coverage, as most states legally require it. Bodily injury liability will also help with your legal defense if another party in an accident files suit against you. It’s important that when you get your NY car insurance quote that you include enough bodily injury coverage to protect your assets from a lawsuit judgment against you.

Medical Payments

Medical payments coverage is also sometimes referred to as no-fault or personal injury protection coverage. This coverage will pay for your medical expenses and those of your passengers. Your NY car insurance quote might also include medical payments coverage that will pay for your medical expenses if you are injured as a pedestrian by a vehicle.

Comprehensive

Comprehensive coverage is a good idea to include in your NY car insurance quote because it will cover most non-collision-related damage to your vehicle. For example, if your vehicle is stolen, vandalized, or damaged by weather-related incidents, your comprehensive coverage will pay for the repairs. For more information on insurance, please visit our insurance-types page.

Uninsured/Underinsured Motorist

A few states require this coverage, so make sure you find out your state’s requirements before you apply for your NY car insurance quote. This coverage will pay for the injuries and sometimes the damages caused by an uninsured or underinsured motorist in an accident that is not your fault.

Property Damage Liability

You will likely find this coverage included in your NY car insurance quote, as almost all states legally require it. This protects you if you damage someone else’s property while operating your vehicle

Collision

This coverage pays for the damages to your car when you hit or are hit by another vehicle or object. If you have a car that has little or no cash value, you might consider dropping collision coverage.