When it comes to auto insurance on long island it is crucial that you are properly insured. For most Long Islanders, our cars are our main source of transportation to and from work. In the event of an accident we cannot afford to be out of a car and this is why it is so important to make sure you have the proper coverage. Auto insurance can be cheap but it usually is the result of corners being cut. You may never realize corners were cut until you are faced with an accident or have to submit a claim to your carrier. At great south bay insurance agency we make sure that no corners are cut.
There are three big components that a car insurance policy is comprised of. The three main components are liability, property, comprehensive coverage. In New York you must carry at minimum $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident. You might see this on paper as 25/50/10. The comprehensive component will reimburse you in the event of a loss due to theft, fire, other hazards and collision.
If you finance or lease a car, generally the lender will require you to carry both comprehensive and collision coverage at a certain limit.
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