If you reside in New York, one of the easiest ways to move around is by car. But as much as it brings convenience, it also comes with many responsibilities. Fuel and car maintenance are not the only costs you will incur. While these are important, you should also consider auto insurance. It is the safety net that protects your financials against an unfortunate event. At Kinowski Agency Inc. we highlight some auto insurance types that can protect you in New York.
Property Damage Injury
Property damage liability pays for any damage your vehicle causes to other people's property. This can be other cars, fences, or mailboxes. For example, if you hit your neighbor's fence while driving in bad weather, property damage liability will cover those resulting expenses.
Bodily Injury Liability
If you injure someone in an accident, bodily injury liability can protect you from causing financial loss. For example, as you are reversing in the parking lot, someone comes out of nowhere, and you hit them. This coverage will pay for the medical expenses the person incurs. In New York, all car owners are legally required to have bodily injury liability coverage.
If you are involved in a collision with another car or object, this coverage will help pay for the damage to your vehicle. For instance, if you back into a fence, the policy covers the expenses related to repairing your car.
This type of car insurance protects your car from damage like theft, vandalism, natural disasters, and collision with animals. If there is a heavy storm and a tree branch falls on your windshield and breaks it, comprehensive coverage will help pay for the cost of repair.
With car insurance being compulsory in NY, you have to understand your options before buying insurance. At Kinowski Agency Inc., we want to ensure you are confident about the policy you purchase. Contact us today, and we will help meet your insurance needs.
While our offices are located in Amsterdam, NY & Johnstown, NY, we serve our clients all across New York.