Why Does Auto Insurance Matter?

If you own a car or have plans to purchase one soon, you’d better heed the advice by Acme Insurance Brokerage in Amityville, NY, and purchase auto insurance. Obtaining auto insurance offers you a wide range of benefits — some of which have been highlighted in this post. 

Liability protection

Regardless of your driving experience, there’s a possibility of you crushing other vehicles on the road or hitting pedestrians. If this does happen, you can be held responsible since it is your car that caused the mess. 

You’d be required to bear the costs of repair (if other cars were damaged) and treatment costs (if anyone was hurt). Since you weren’t ready for such costs, they can significantly inconvenience you. However, with auto insurance, your insurer would offer a helping hand. 

Compliance with the law

In New York, it is a requirement by the law that you obtain auto insurance when driving on public roads. Driving without proper insurance coverage has many consequences such as:

  • Getting your driving privileges suspended
  • Incurring a fine of up to $1,500 and an additional $750
  • Getting your car impounded 
  • Facing a 3-month jail term

Protection of your asset /car

If your motor vehicle suffers damages due to accidents, fire, or other covered perils, your insurer will step in and bear the repair costs. And if the car is damaged beyond repair, the insurance company will replace it with a new one.

Medical Payments

If you cause accidents that result in injuries while driving, your auto insurance company will pay the costs of treatment for those injured, and this will save your pocket significantly. Similarly, if you or your passengers sustain injuries following an accident, MedPay or PIP coverage pays for the medical costs.

Buy Auto insurance today

Anything can happen on the highways when your least expect it. Don’t assume that you are a pro driver who doesn’t need auto coverage. Instead, be wise and contact Acme Insurance Brokerage in Amityville, NY for an affordable auto insurance quote.  

What is Collision Coverage

What comes to your mind when you come across the term collision insurance? Perhaps, you think that it’s a coverage that caters to every bill after a car crash. That’s not any further from the truth.

Collision insurance coverage only pays for car repair or replacement when involved in a collision with another vehicle or object, such as a fence. The policy may also cater to expenses incurred if a noninsured or underinsured driver hits your car.

Is Collision Insurance Mandatory

While collision insurance is not mandatory in Amityville, NY, lenders will require you to have the coverage to lease a vehicle.

What Does Collision Insurance Entail?

Collision coverage covers the expenses incurred after car damages resulting from;

  • A crash caused by another driver
  • If your vehicle hits an object
  • When another driver hits your car and lacks enough insurance to cater to the incurred costs

Nonetheless, you must prove that the other driver was at fault for the accident before filing a claim.

What is Not Included in Collision Insurance?

Collision coverage does not include;

  • Damages to your car as a result of situations that are not related to driving, such as theft, fire, or hail
  • Medical bills resulting from an accident
  • Damages to another person’s car

What is Collision Coverage Deductible?

The collision deductible is the amount deducted or subtracted after a collision claim depending on your chosen amount. However, you must ensure that the damages’ cost must be lesser than the deductible amount for the insurer to pay for the damages.

Contact Acme Insurance Brokerage for Collision Coverage

You can trust us at Acme Insurance Brokerage for quality collision coverage in Amityville, NY. Having insurance gives you peace of mind while on the road, knowing that your expenses are covered if the unthinkable happens. Contact us today for further advice on the same and to get a quote. 

What are the benefits of getting an auto insurance policy?

Driving a car is a very common task for those that are in the Amityville, NY area. When you are a car owner in this area of New York, it is important that you get a good auto insurance policy. There are several benefits that come when you get this type of insurance for your vehicle. 

Receive Coverage to Protect Vehicle

One of the advantages of getting an auto insurance policy is that it will protect your vehicle. When you buy a car, you are going to be making a big investment that you should always do your best to protect. The best way that you can do this is by getting an auto insurance policy. When you get a policy with comprehensive and collision coverage, you will receive protection for a variety of situations that could result in a loss.

Receive Liability Protection

Another advantage of getting an auto insurance policy is that you will receive liability protection. If you drive a car and cause an accident, it will be up to you to pay for the damages. Fortunately, you can offset this risk by getting a full auto insurance policy that includes liability coverage. Having this coverage is also a requirement if you want to drive on a public road. 

Ultimately, those that are in the Amityville, NY area will need to have auto insurance at all times. When you are looking for a policy that is ideal for your situation, it would be a good idea to call the Acme Insurance Brokerage. When you call the team at the Acme Insurance Brokerage, you can learn a lot more about how auto insurance can protect your vehicle. They can then work with you to build a policy that is ideal for your situation. 

What Do I Do If My Car Is Damaged While Sitting in a Parking Lot?

When you go shopping and you leave your car in a parking lot, you run the risk of someone hitting it with a car door or cart. It may also be hit by another vehicle. If you come back to your vehicle and notice that it has been hit or damaged in any way there are certain steps you need to take in order to report your claim. The agents of Acme Insurance Brokerage serve residents who live in Amityville, NY and the surrounding communities. They can assist you in getting your car fixed and possibly finding the person who hit your vehicle and left the scene.

Notify the Police

If the damage is extensive, your first step should always be to notify the police and fill out a report. The police can get access to any videotape footage from surrounding stores to try and figure out what exactly happened. If they are able to identify the person driving the car, they may be charged with leaving the scene of an accident.

Document the Scene

The next step is to document the scene. This can be done in two ways. First, take notes and write down as much information as you can remember. Use your cellphone to take as many photographs as possible. Take them from all different angles so you have a good vantage point.

Call Your Insurance Agent

Call your insurance agent. The agents at Acme Insurance Brokerage can help you file and process your claim. If you live in Amityville, NY, call one of the agents to find out what you should do if you ever find your car damaged in a public parking lot.

No-Fault Insurance, Liability Coverage and Comprehensive and Collision: What are the Differences?

Terms. such as no-fault insurance, liability coverage and comprehensive and collision, are frequent insurance terms. While you may have heard them, you need to truly understand their differences. Turn to the trusted agents at Acme Insurance Brokerage. They serve the needs of drivers in the Amityville, NY area and are ready to work for you!

No-Fault Auto Insurance Policies

New York is a no-fault insurance state. With this type of coverage, anyone in the vehicle, including passengers is covered. This also includes anyone who is injured in the accident while walking by or crossing the street. It will cover medical expenses and loss of income. It goes into effect regardless of who is at fault for the accident. In NY, there are some limitations on policy activations until it is found that the injuries are serious. Examples of serious injuries include bone fractures or disfigurement.

Liability Coverage

NY State requires that drivers carry minimum liability coverage. Liability insurance, though, only covers the repair costs and medical expenses of the other person in an accident where you are found to be at fault. It does not cover your repair or medical expenses. As these policies have monetary caps, if their expenses exceed that amount or they decide to sue, the policyholder is responsible for any additional funds. Generally, this is not the best way to go financially.

Comprehensive and Collision Policy

These provide better coverage for a range of events. It will cover repair costs and medical expenses. It will also protect you if your vehicle is stolen. This can be a better option.

It’s important to invest the time with a trusted agent to discuss your coverage needs. In the Amityville, NY area, the agents at Acme Insurance Brokerage are ready to serve you.  Give them a call then visit their office today!