What is Auto Insurance?
Auto insurance protects you from the various issues that you might experience as a driver. Not only will your policy offer coverage for the damages and injuries you might cause to others, but your policy will also provide coverage for your own car’s damages and the injuries that you and your passengers might sustain during an accident. Here is a more detailed breakdown of the standard auto insurance protections that you need to secure:
- Auto Liability : This coverage offers compensation for medical and repair costs to any third-party impacted by your bad driving. For instance, if you caused an accident while behind the wheel, then your liability coverage would address the affected party’s medical and repair costs. Should they sue, then this coverage would also help you cover your legal and settlement fees.
- Personal Injury : Also known as medical payments coverage, this type of coverage will pay for the medical treatment that you and your passengers might require after an auto accident. This coverage is no-fault, meaning that you can access it regardless of who was responsible for causing the accident.
- Collision : This coverage will address the repairs that your car might sustain during an auto accident.
- Comprehensive: Should your car sustain damages outside of a collision event, then comprehensive insurance would offer coverage to address your repair costs. Comprehensive insurance will help you cover the damages caused by theft, vandalism, fire, weather events, and so on.
Why Do I Need This Coverage?
Most states legally require drivers to carry some minimum level of liability insurance. While the other types of coverage are not legally mandated, they are still considered essential types of insurance to have. As a responsible driver, you do your best to keep yourself, your passengers, and others on the road safe at all times. Securing the right auto insurance is one of the best ways to accomplish this goal.
Interested in securing the right auto insurance in Queens County, NY to stay safe behind the wheel? Then don’t hesitate to contact the experts at 01 Insurance. We are ready to find the perfect insurance solution to meet all your needs today.
My family and I have relied on the services of Community Brokerage for a strong and continuous 30 years. Community Brokerage has always been able to advise and provide me with proper coverage on all my insurance needs. Working with all the employees at Community Brokerage has always been a pleasant, professional and satisfying process!
I have been an insured with 01 Insurance for over 30 years, and needless to say I have been extremely satisfied. The people have always been courteous, responsive, and very professional and caring.
Nicholas Kordas, Esq.
I have always been able to rely on Judith to advise and properly cover all of my insurance needs. She goes out of her way to even remind me when a payment is due so I don’t incur a late fee.
Working with Community Brokerage is always a great experience. Their professionalism and in depth knowledge of Property insurance gives my buyers the best and most cost effective solution for their new home insurance policies.
John S. Lagoudis, MBA
Judy has been handling my business and personal accounts for almost 25 years. It is not only a pleasure dealing with her, it is an incredible feeling knowing she always has my back.
Jaime M. Steiner
For many years now Judy Zimmerman has been an immediate source of insurance advice. She is never too busy to answer my questions, and guide me when my personal needs justified changes.