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Auto Insurance FAQ
When purchasing automobile insurance, what should I consider?
Ask your self can you afford insurance on the vehicle you will be purchasing. What kind of coverage's will your vehicle require? How long have you been driving for? (Under 3 is consider inexperience driver), How is my credit score? Do I have any points on my license? Have I had any accidents while driving?
How can I lower my auto insurance rates?
By taking the Defensive Driving course, maintaining a good driving record and having continuous insurance.
How much Auto insurance do I need?
All depends on the vehicle you are purchasing if is lease, finance or own.
How much Auto Insurance does New York State require?
New York State law requires that motorists carry a minimum amount of liability insurance of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident.
What do I do after an auto accident?
Take the names and car insurance information of any drivers involved in the accident. Get names and contact information for any witnesses to the accident. Call the Police, and then contact your insurance company or agent.
Do I need multiple estimates?
Yes, unless you know a body repair shop that you are comfortable with that will do the work.
Am I required to notify my insurance company before repairs begin on my vehicle?
No
When is my deductible due and how do I know how much it is?
So, if you are in an accident and your deductible is $500, you must pay the first $500 and your insurance will pay the rest (up to the limits of your policy). You will know because it will be on your policy.
What are my payments options?
Payment options are based on the insurance companies.
What should I do when I pick up my repaired vehicle?
Get a receipt for the repairs that were done and call your agent to see if they need and updated inspection.
Who is responsible for payment to the repair facility?
That's all depends on who the insurance company determine who is at fault or not and if, you have full coverage. If you have full coverage and it's the other party the other party insurance will be paying the cost.
Do I have to pay for a rental car?
If you have rental reimbursement on your policy, the company will reimburse you for a rental vehicle per your policy limits, for a covered loss.
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