As a driver, you face a myriad of risks every time you get behind the wheel. This is why almost every state in the U.S. requires drivers to carry some minimum level of car insurance. But what exactly does auto insurance do to protect you as a policyholder? Read on to find out why having the right car insurance in Long Island, NY is important for you.
At its core, auto insurance is meant to cover your liability risks as a driver. This is why state insurance minimums are generally designed to cover other drivers who might be affected by your driving. For instance, one of the mandated coverages that drivers must carry is bodily injury liability insurance. This type of insurance will offer coverage in the event that you cause a car accident and are held responsible for another’s injuries. Another required coverage is property damage liability insurance. This type of insurance offers coverage in the event that you cause damage to a third party’s property (usually another driver’s car) during an auto accident.
In addition to these liability coverages, you also have access to a wide variety of coverages that address your own medical and repair needs. For instance, medical payments insurance will offer coverage for the medical expenses that you and your passengers might require following an accident. Collision and comprehensive insurance will provide coverage for the repair costs that your car might need following a collision or other damaging event. Finally, under/uninsured motorist insurance will provide coverage in the event that you get into an accident with a driver who does not have enough coverage to address your medical and repair costs.
These are just a few of the many auto coverage options that you can choose from. Interested in learning more about your car insurance options? Then contact auto experts at Premier Risk, LLC in Long Island, NY. We are ready to assist you with all your coverage needs today.