If you are planning to move to Croton Falls, NY for the first time or you already live here, finding the right insurance cover for your auto is essential. At Carminucci Agency, our agents will be there to guide you through the process of getting the right coverage for your vehicle.
What is auto insurance?
It is a policy that acts as a contract between you and the insurance company protecting you from financial liability in case of an accident or the theft of your auto. Premiums are paid to the insurance company in exchange that they will bear the financial responsibility in case of theft of your auto or in an accident. Premium paid is dependent on several factors such as age and gender of the driver, years of driving experience, accidents, and road violation history. It is essential to discuss with our agents at Carminucci Agency on concerns regarding these factors. In Croton Falls, NY, there is a required threshold on the minimum amount you can cover your auto.
What is covered by auto insurance?
Basic auto insurance mainly covers the following:
Bodily injury liability
- This covers body injury liability that may occur to others with you or a second party vehicle. You and your family members may be covered if injured while driving another persons’ vehicle with their consent.
Personal injury protection
- This provides for the medical treatment of the policyholder and his family members included in the policy in case of an accident.
Property damage liability
- This covers damage caused to other people’s property while you or someone else is driving your vehicle.
- Collisions with other vehicles or objects may cause damage to your vehicle. Collision coverage covers the financial costs for repair when you are at fault.
Please visit or call any of our agents at Carminucci Agency for more information.