Private Auto Insurance

Private auto insurance provides financial protection for your vehicle, yourself, and others in the event of accidents, theft, or other unforeseen incidents. It is designed to help drivers meet legal requirements while offering additional peace of mind by covering repair costs, medical expenses, and liabilities. Each policy can be tailored to suit individual needs and budgets.

Key Coverages Offered:

1. Comprehensive Coverage:

   • Covers non-collision-related damages such as weather damage, vandalism, fire, and theft.

   • Provides financial support for repairs or replacement of your vehicle.

2. Liability Insurance:

   • Mandatory in New York State to drive legally.

   • Covers costs associated with bodily injuries and property damage caused to others in an accident where you are at fault.

3. Collision Coverage:

   • Pays for repairs to your vehicle in case of a collision, regardless of fault.

   • Ideal for protecting newer or higher-value vehicles.

4. Uninsured/Underinsured Motorist Protection:

   • Ensures your expenses are covered if you’re involved in an accident with a driver who lacks sufficient insurance.

   • Covers medical expenses, lost wages, and more.

5. Personal Injury Protection (PIP):

   • Covers medical bills, lost wages, and other expenses for you and your passengers, regardless of fault.

   • A legal requirement in New York State.

6. Optional Add-ons:

   • Roadside Assistance: Get help with towing, flat tires, and more.

   • Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired.

   • Gap Insurance: Covers the difference between your car’s value and the remaining balance on your loan or lease.