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.
