Having the right auto insurance policy can help in more than one way. An appropriate policy provides protection against medical and legal expenses and ensures that you can get back on the road quickly in case of damage to your vehicle. Rules and regulations vary per state and we have listed the basic information for you below.

Alternate TextWhat type of insurance do I need?

Each state has its own auto insurance rules and requirements. Some states require that drivers maintain a minimum level of liability insurance. In states where auto insurance coverage is not required, the driver is still liable for any damage or loss to others and the best way to limit this potential liability is through an adequate policy. Along with compulsory legal requirements, an adequate policy provides peace of mind of the unexpected that may arrive. Some coverage includes:

  • • Liability - to protect you from liability risks due to lawsuits and other claims – pays for losses caused by you to others,
  • • No-Fault - provides payment for losses, regardless of fault, or
  • • Both liability & no-fault

Alternate TextWhat is Collision Insurance?

Collision insurance coverage typically pays for repairs or replacement of a vehicle after damage. Standard coverage will pay up to fair market value for any repairs required to the car. Collision coverage usually comes with a deductible, which means you will initially pay some money out of your pocket and any amount after that is covered by the policy. Generally, the deductible is inversely related to the premium. This means if you pay a higher premium over time, your deductible will be lower, and if you pay a lower premium over time, your deductible will be higher.

Alternate TextWhat is Comprehensive Insurance?
  • • Anything not related to Collision
  • • Coverage includes:
    • • Theft or vandalism,
    • • Flood, hurricane, fire or windshield damage,
    • • Damage done by animals,
    • • More

Alternate TextWhat insurance coverage do you recommend?

We strongly advise our clients to maintain proper level of coverage for their own unique situation and needs. Some people are more risk averse while others are comfortable with risk. We are happy to help you understand the pros and cons of each option and to calculate the coverage that best suits your needs. Please feel free to call us at 347-748-1121 to speak to an agent.

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