East Meadow New York Auto Insurance

Auto Insurance is broken down into different parts.  Some coverages are optional and some are required by your state and your lienholder.  If you have any questions about your coverage or auto insurance needs in East Meadow, NY just give us a call or fill out our simple online form.

Auto Insurance Coverage options in East Meadow, New York 11554:

Bodily Injury Liability -  this will pay for injuries and property damage the policyholder causes to someone else up to the policy limits. With the rising cost of medical expenses and vehicles coverage today, it is wise to examine your liability limits to be sure you will be able to cover the cost of medical expenses or repairing someone’s damaged vehicle.

Medical Payments coverage, or sometimes call PIP (Personal Injury Protection)  - this will pay for medical expenses up to a specified dollar limit for you and passengers in your vehicle who are injured in an automobile accident, regardless who is at fault.  Treating injuries, rehabilitation, sometimes lost wages, and some funeral expenses are covered under this part.

Uninsured/Underinsured Motorist Coverage – this covers you if you are involved in an accident with a hit-and-run driver, or if you are injured in an accident by a person who is uninsured or not carrying enough liability insurance to cover your injuries.

If you have a lienholder on your car you will most likely be required to carry full coverage on your vehicle, which usually includes collision and comprehensive coverage.

Collision coverage – this will pay for damages to your vehicle in an at fault accident.  Repairs are usually paid up to fair market value.  This coverage can come with a deductible and the more you can pay towards repairs, the less your premium will be.

Comprehensive - this covers damage done to your car that doesn’t involve a collision, such as theft, vandalism, flood, glass breakage, or fire. 

Towing, rental car reimbursement, or roadside assistance are optional coverages that you may want to add to your East Meadow New York auto insurance policy.  And be sure and ask about discounts for multi-car, good student, good driving and loss records, Safe Driving Programs, and bundling with other policies.

Please call our office for a quick review of your coverages.