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Having a teenager included on your auto insurance policy will always cost substantially more,
but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's
are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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New York Auto Insurance
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The value of good auto insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on. |
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Let one of our experienced New York auto insurance policy
specialists explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
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Learn more about New York Auto Insurance
policy coverage options below! |
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Click on the link below to fill out a secure quote request form for a
Auto Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our New York Auto Insurance agent specialist at (845) 426-0868 to discuss the features. |
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We are your local Rockland County, NY insurance agency, offering affordable auto insurance
policy premiums to residents located in the following cities and counties: Spring Valley, Congers, Nyack, Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City, Blauvelt, Nauraushaun, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Piermont, Rockland Lake, Wesley Hills, New Hempstead, Pomona, Sloatsburg, Tuxedo Park, Southfields, Ramapo, Hilburn, Greenwood Lake, Warwick, Bellvale, Wickham Village, Monroe, Harriman, Chester, Goshen, New Hampton, Highland Mills, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw, Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, West Point, Cornwall- on-Hudson, Mountainville, Salisbury Mills, Craigsville, Washingtonville, Newburgh, New York City, Middletown, Poughkeepsie, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle, Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Eastchester, Pelham, Greenville, Hartsdale, Bronxville, Tuckahoe, Mt. Vernon, Bronx, Irvington, Glenville, Valhalla, Elmsford, Dobbs Ferry, Hastings-on-Hudson, Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough, Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood, Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem Center, Somers, North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Putnam County, Orange County, Dutchess County, Ulster County, Sullivan County, and Westchester County, NY. |
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This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages. |
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Underinsured Motorist Bodily Injury Coverage
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This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required auto insurance coverage in New York. |
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Underinsured Motorist Property Damage Coverage
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Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is also not a required coverage in New York. |
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New York Auto Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for a New York Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or speak with our New York Auto Insurance specialist at (845) 426-0868 to discuss the features. |
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Covers damage caused to the insured's auto (your automobile) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the New York auto insurance policy. |
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Covers damage caused to the owners auto from a collision caused by another auto or
other object. The deductible is the amount you choose to pay upfront (if any) before the New York auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the auto insurance policy. |
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New York Auto Insurance Policy FAQ
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New York Auto Insurance Policy FAQ
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New York Auto Insurance Policy FAQ
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part of an auto
insurance policy. The minimum liability insurance coverage available for purchase in New York is 25/50 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed above that are required by the state of New York. Contact us at (845) 426-0868 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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New York Liability Coverage limits explanation:
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25/50/10 25=$25,000 - 50=$50,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a motorcycle,
car, truck, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in New York is $10,000. |
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Benefits Provided Include:
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Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.
$5,000 death benefit
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New York Auto Insurance Policy FAQ
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New York Auto Insurance Policy FAQ
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New York does require "No Fault" insurance coverage. This coverage pays medical bills
for injuries suffered in an auto accident regardless of who caused the accident. |
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Medical payments coverage pays for the medical and funeral expenses for you or others
hurt or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is a required New York Auto Insurance coverage. |
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New York Auto Insurance Policy FAQ
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25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.
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Example of uninsured motorist limits:
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no auto liability insurance. This coverage is required for New York Auto Insurance. Contact us to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Edouard Insurance Agency, Inc.
70 South Main Street
Spring Valley, New York 10977
Rockland County, NY
(845) 426-0868
Toll Free: 1-800-776-0585
Fax: (845) 426-0632
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Working to insure and
protect you since 1987!
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EDOUARD
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Insurance Agency
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Auto
Insurance
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**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them will decrease as
they get older. |
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Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide. |
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Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired because of a
covered event. |
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Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken window on your
car is required. |
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Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder of your policy, it
will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return for the payment
of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances that would
free the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a claim situation.
Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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Click on the link below to fill out a secure quote request form for a New York Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or speak with our New York Auto Insurance specialist at (845) 426-0868 to discuss the features. |
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New York Auto Insurance Services
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