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For those in New York’s capital, Albany, NY, getting reliable auto insurance is a must, and Toedt Insurance Agency LLC wants to give our customers all the information they need to make the right choices for their circumstances.

Who Needs Auto Insurance?

New York has clearly defined guidelines for what drivers must have at a minimum to use their vehicles. Without the proper policy, you can wind up in tons of trouble. All financial requirements must be fulfilled before you can register your car and get its plates.

New Yorkers must have at least:

• No-fault personal injury protection, which is used for a range of expenses that may result in an accident, including medical expenses, lost earnings, and other expenses that may arise after an accident, is the first requirement.
• Uninsured motorist coverage is needed so that if you, your family, or your passengers have injuries related to an accident with an uninsured or unidentified vehicle.
• Liability coverage is also needed in case there’s harm against your car, cars you legally drive, or people and their property.

These insurance requirements are only a legal starting point, and depending on your situation, you may be more comfortable with greater coverage than is required.

What Auto Insurance Covers?

There are lots of things that auto insurance can cover, and what exactly your auto insurance covers will depend on the policy you choose. For instance, your plan will cover up to a certain amount, so you’ll have to consider how much coverage you’ll need to rest assured. Additionally, many plans include deductibles, so you’ll want to keep in mind how much your plan requires you to pay before it will start paying.

The most common types of coverage are:

• Liability
• Collision
• Comprehensive
• Uninsured motorist
• Medical payments coverage
• Personal injury protection

Choose Insurance You Can Count On

At Toedt Insurance Agency LLC, we know that those in Albany, NY, want auto insurance they can count on. We’ll be glad to guide you through the auto insurance process and answer any questions you may have. If you’re ready to get started, reach out to us today. 

For car enthusiasts who can’t handle only having one vehicle or families who need more than one car to provide transportation for every household member, navigating car insurance comes with some unexpected challenges. Thankfully, our team of qualified insurance professionals at Toedt Insurance Agency LLC in Albany, NY has walked plenty of car owners through this process. From those who only own one vehicle to those who have upwards of three vehicles, we’ve seen all kinds of car-owning situations that require knowledge of car insurance laws and regulations to find the right coverage for that specific circumstance. 

If you worry that having more than one car stored in your garage or driveway will make insuring your vehicles complicated, you should sit down and speak with one of our agents before you panic. We can help you discover the right policy to suit your needs. We can also discuss the terms and requirements of certain policies, so you know whether you can keep up with that coverage.

Can a Single Auto Insurance Policy Cover More than One Vehicle?

While every auto insurance policy has terms and limits by which we need to abide, you’ll find that some car insurance policies have options to cover more than one car. Multi-car insurance policies are designed for this situation. While some policies may have wording that is confusing like “garaging” all the vehicles in one place, we can walk you through what different terms mean and how you can stay eligible for coverage once it’s in place. If your second vehicle is an exotic car or a classic one, you may need a policy that covers that type of vehicle like classic car insurance.

For more information, call Toedt Insurance Agency LLC in Albany, NY today!

Our agents at Toedt Insurance Agency LLC serving the Albany, NY area are highlighting the importance of having an auto insurance policy in place in the state of New York.

Auto insurance coverage options provide you and other drivers with the financial protection needed if an accident occurs or your vehicle is damaged. Auto liability insurance is required in the state of New York for all drivers, but there are other coverage options you can choose from to keep you and your car, truck, or SUV properly protected.

Auto Insurance Coverage Options

Collision Insurance

This type of auto insurance will help you repair your vehicle and other vehicles involved in a collision. It will also come in handy if you collide with some sort of inanimate object.

Comprehensive Insurance

If your vehicle is damaged or destroyed by a fire, natural disaster, vandalism, or some other awful event, you will be happy to have comprehensive insurance since it will help you repair your vehicle or replace it. This type of insurance is also important if your vehicle is stolen since it can help to replace your car, truck, or SUV.

Uninsured or Underinsured Motorist Coverage

If you become involved in an accident with a driver who has very little insurance or no insurance at all, this type of insurance policy will be very beneficial. It can help you with the expenses of repairing your vehicle and any medical bills that you may incur.

Contact Us Today

To create the best auto insurance policy for you and your vehicle, contact the agents at the Toedt Insurance Agency LLC serving the Albany, NY area today!

When you own a vehicle in New York, you are required to have auto insurance for it. As long as the registration of the vehicle is valid, you have to keep the insurance policy. This is true even if you don’t use the vehicle. If your vehicle is registered in New York, your insurance policy has to be in New York. The policy also has to be in the name of the person to whom the car is registered. When you need auto insurance in New York, call us at Toedt Insurance Agency LLC in Albany, NY.

Required Coverage

There is an amount of coverage required for property damage for one accident. There is also an amount required for bodily injury coverage. There is a separate amount required for the death of someone involved in the accident. If there are two or more people who are involved in the accident, there is another amount required for their bodily injury. There’s also another amount required for the death of more than one person. Some of these amounts are relatively low, and it may be a good idea to get more coverage than the minimum required by the state. 

If you don’t have auto insurance issued in the state of New York for your New York vehicle, you could face having your car’s registration suspended. You may also have your New York driver’s license suspended. If you own a vehicle, make sure it is always covered by at least liability insurance at all times. It can save you from a lot of legal and financial trouble. 

Get Auto Insurance

When you need auto insurance in New York, give us a call at Toedt Insurance Agency LLC in Albany, NY to find out more and to get started with a policy of your own.