Optional Automobile Insurance in New York
You should consider obtaining more than the minimum coverage required by the State of New York to protect themselves against charges associated with high accounts repairs, medical expenses, and litigation. In addition to the required insurance, you can buy optional auto coverage for:
Responsibility for Physical Damage
It provides extra protection in case of an accident
car resulting in litigation.
Liability for Damage to Property
It provides extra protection in case you have to replace and / or repair your car. Some insurers offer policies with combined limits for physical injury and damage to the property.
Coverage Against Crashes
Cover damage to his car caused by a collision, without taking account of guilt.
Comprehensive insurance
Cover damage to your car resulting from all causes, not take account of guilt.
Additional Benefits Coverage “No Fault” (Without Guilt)
Provides additional protection for “No Fault” (in case a driver does not have auto insurance) for the basic benefit $ 50,000 covered by the law.
Supplementary protection against uninsured driver
Provides additional coverage for bodily harm against the actions of a person without insurance or with limited insurance or a driver that hit and run.
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