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How You Should Upgrade Your Auto Insurance

These are some of the additional coverages you should add to your car insurance policy.

If you are still relying on car insurance minimums, you may not have the coverages that you need to properly protect you and your assets. Want to get the right insurance protections to address all your risks? Here are some of the coverages you should consider reviewing with an insurance professional like the experts at The Scautub Agency.

  • Liability

New York State mandates a minimum Liability coverage of $25,000 bodily injury per person, $50,000 bodily injury per accident (for multiple people that may be injured), and $10,000 for property damage you become liable for due to a motor vehicle accident.   If you have more in assets or have a steady income, a court could order you to pay for damages above your insurance limits. Let us assist you in reviewing your liability limits to protect you and your assets properly.

  • Medical Payments

New York State mandates Personal Injury Protection (PIP) coverage commonly referred to as no-fault coverage. This coverage is designed to pay the medical expenses of anyone injured in your vehicle or a pedestrian that you may hit. There are certain situations were PIP could be denied and you would be without medical coverage for injuries. In those cases if you had Medical Payments coverage on your policy it would possibly extend to those situations.

  • Rental Coverage

While you may have coverage for the damages to your vehicle from a collision or comprehensive loss, how are you going to get around while your vehicle is being repaired? If you have optional rental coverage added to your policy, the insurance will cover the cost of a rental car while your vehicle is being repaired. We can assist with the proper level of rental coverage based on the type of vehicle you own.

  • Uninsured/Underinsured Motorist

Research has shown that one in eight drivers do not carry insurance at all. Unfortunately, an even greater percentage of drivers do not carry insurance above their state’s minimums. If you were to get into an accident with one of these drivers and they were at fault, if you were seriously injured there may not be enough coverage from the other drives liability policy to sufficiently cover your pain and suffering. The best way to protect against these irresponsible drivers is by adding uninsured/underinsured to your auto policy.

These are some of the additional coverages that you should add to your car insurance policy.  Need assistance with getting the right auto insurance to meet your needs?  Then contact the experts at Scautub Agency in Scotia, New York.  We are ready to get you the coverage that you need today.

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