At Joe DiCesare Insurance Agency, Inc. we offer industry leading Auto Insurance policies at competitive prices to the entire Hudson Valley: Newburgh, Marlboro and New Windsor areas. We are committed to helping you find the right policy for you, at the right price.
Understanding Auto Insurance Basics
If you own a car, you need to purchase auto insurance. There’s no way around it without breaking the law in New York.
Auto insurance not only protects you – the car owner – in case of an accident but it also protects any passengers who are riding with you at the time of the accident. Some policies will even cover the replacement value of your possessions in case of robbery or the repair costs in case of vandalism.
Purchasing auto insurance doesn’t have to be complicated but you should be familiar with each term and what they mean. Here are the basic terms of your policy with a description of each one:
1. Bodily Injury Liability – covers medical bills and lost wages for other people involved in the accident.
2. Property Damage Liability – pays to repair damage done to someone’s property.
3. Personal Injury Protection – pays for medical bills and lost wages for yourself and any passengers in your car.
4. Collision – pays for repairs to your own car.
5. Comprehensive – pays for damage to your car sustained from hitting an animal, natural disaster or vandalism.
6. Uninsured / Underinsured motorists – pays for your medical bills if you are hit by an uninsured motorist or involved in a hit-and-run accident.
Most auto insurance policies also include some extras, such as rental car coverage, glass coverage and roadside assistance.
Keep in mind that not everyone needs the same amount of auto insurance. Every state requires a different minimum coverage but some of those minimums may not fully protect you if the accident is deemed your fault. Instead of guessing what coverage is right for you, contact Joe DiCesare in Newburgh, NY or request an auto insurance quote. Joe is the expert on auto insurance needs in the Hudson Valley and throughout New York state.
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