Your New York auto insurance or your state's auto insurance policy may have six different kinds of coverage. Each coverage included in your auto insurance policy applies to a certain aspect of coverage and is priced separately.

Bodily Injury Liability

Bodily Injury Liability applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on your New York auto insurance policy are covered in your listed vehicles and when driving someone else’s car with their permission.

It’s very important to have enough liability insurance. If you are involved in a serious accident and are liable for the accident, you may be sued for a large sum of money. Consider buying more than the state-required minimum to protect your assets, like your savings and your home, in case you are ever in this unfortunate position.

Property Damage Liability

Property Damage Liability on your New York auto insurance pays for damage you (or someone driving your car with your permission) may cause to someone else's property. This is usually someone else’s car, but it also includes damage to lampposts, telephone poles, fences, buildings, or other structures and objects your car may hit.

Collision

This coverage pays for damage to your car resulting from a collision with another car, object, or if your car is flipped over. It also covers damage caused by potholes. Collision coverage for your New York auto insurance policy is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium.

Even if you are at fault for the accident, your collision coverage reimburses the costs of repair, minus the deductible. If you're not at fault, your state's or your New York car insurance company will likely try to recover the amount they paid from the at-fault driver’s insurance company. If they are successful, you'll be reimbursed for the deductible you paid.

Comprehensive

Comprehensive con your New York or state's auto insurance policy reimburses losses caused by theft or damage outside of car collisions, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or encounters with animals such as birds or deer.

Comprehensive car insurance generally comes with a $100 to $300 deductible, though you can opt for a higher deductible as a way of lowering your premium, or yearly costs. Comprehensive auto insurance also reimburses you for cracked or shattered windshields. Some companies offer glass coverage with or without a deductible.

Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if hit by an uninsured or hit-and-run driver. Underinsured motorist coverage on your state's or New York auto insurance covers you when an at-fault driver has insufficient or no auto insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

Medical Payments or Personal Injury Protection (PIP)

Depending on your state or New York auto insurance, you may have Medical Payments or Personal Injury Protection options. These pay for treatment of injuries to the driver and passengers of the policyholder's car. PIP can be inclusive enough to cover medical payments, lost wages, and the cost of replacing services performed by someone injured in an auto accident. It may also cover funeral costs.

To find an independent New York auto insurance agent, visit www.01insurance.com