Thursday, January 16, 2014

Do you drive a vehicle? Are you insured?

Insurance is quite helpful to every individual who drives. It helps provide to drivers and to the other person or party who has got hit during the accident.

Coverage plan may vary from one New York insurance company to another and benefits availing from the plan shall also vary, depending on the rules followed by the driver.

If you are residing in New York and want to avail major benefits from the auto insurance plan then following are few things that you need to keep track off:

Minimum liability insurance

According to the rules of New York insurance company, the minimum liability insurer that the insurer needs to carry is $25,000 per person and $50,000 per accident for personal injury.

Uninsured motorist coverage

This coverage is helpful at times when the other driver is not insured and he can’t pay your property damage bill. At that point, of time, the damage caused to your vehicle will be covered by uninsured/underinsured motorist coverage. To buy this policy minimum financial requirements are required likewise required in personal liability.

Property damage liability

For property damage, liability you need to have $10,000 and rest the property damage is covered by the insurance company.

Proof of insurance

Before registering your vehicle, you must obtain a proof of insurance. A card will be provided to you by the company that you need to keep all the time with you in your car. This is because as per the laws of New York Government insurance company is only liable to pay if you have insurance card in your car.

After understanding, the things that are involved in auto insurance plan, if you are interesting in buying one policy then look for a reliable insurance company in your vicinity.

From reliable, here I mean who are professional in the field. As there are many insurance companies, you might tend to get cheated. Therefore, it makes even more important for you to look for one such company that is reliable and can give you best policy according to your needs and budget.

Today, one of the best ways to know quotes of variant companies is via internet. You can visit the sites of insurance companies and quote for your vehicle. Out of all quotes, you can choose the one that best suits you.

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