What are the primary coverages that an automobile policy would provide?
Liability Coverage – pays for Bodily Injury and Property Damage to other parties. Bodily Injury Liability provides coverage if you cause an accident that injures or kills another person. There is no deductible and legal defense is also included in this coverage. This type of insurance is mandatory in New York State. Property Damage Liability is for damage to someone else’s property. Personal Injury Protection (No fault) – If you are injured in an accident with your vehicle, your insurance company reimburses you and your passengers injured by your car for financial losses like medical expenses and lost wages due to the accident, regardless of who was at fault. This coverage does not apply to vehicle damage. Uninsured Motorist Coverage – covers injuries to you and anyone in your household if injured by an uninsured motorist or hit-and-run driver. Underinsured Motorist Coverage – protects you and anyone in your household against eligible bodily injury losses up to the underinsured motoris
