Auto Insurance in Rockville Centre, New York
Auto insurance may help provide financial protection if you or someone in your household is involved in a car accident. Contact J.A. Faccibene & Associates, Inc. to get a personalized auto insurance quote.
How Much Auto Insurance Do I Need?
New York drivers are required to carry specific auto insurance coverage, including the following:
- Liability insurance may help pay third-party claims for property damage and bodily injury.
- Uninsured motorist insurance may help pay medical bills for you and your passengers after a hit-and-run accident or a collision with an uninsured driver.
- Personal injury protection (PIP), also called no-fault coverage, may help pay accident-related medical expenses, other accident-related expenses and lost wages for you and your passengers or a pedestrian injured by your vehicle.
While purchasing New York’s minimum required coverage helps you remain in compliance with the law, you may also benefit from buying more than the minimum required amount of each type of insurance. Your agent can help you choose policies and limits to meet your needs.
How Auto Insurance Works
Your car insurance plan is a highly customizable collection of policies and endorsements that may help provide financial protection for you, your passengers, your family, and other drivers.
In addition to the required coverages, New York drivers can choose optional auto insurance policies to help provide additional financial protection. Depending on your risks and exposures, your agent may recommend that you purchase the following:
- Comprehensive and collision insurance may help pay to replace or repair your vehicle after an accident or incident. If you finance or lease your vehicle, your lienholder requires this coverage.
- Guaranteed asset protection (GAP) may help pay off your lease or loan if your vehicle is a total loss after a covered accident. Your lienholder may require this coverage.
Your agent may also recommend that you add the following:
- Underinsured motorists coverage
- Rental reimbursement
- Roadside assistance
- Auto glass coverage
- Towing insurance
How Auto Insurance Claims Work
Contacting your agent or insurer is crucial if you are involved in a car accident. New York has no-fault auto insurance laws, so no matter who is at fault in an accident, insurance may help pay for the economic losses of the injured parties.
After an accident, your insurer opens a claim and assigns an adjuster. This person evaluates the details of the accident and helps create a settlement to cover your damages according to your policy’s rules and limits.
How to Get Auto Insurance
J.A. Faccibene & Associates, Inc. is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.