Category: Auto Insurance

Owning a vehicle comes with a lot of responsibilities. And one of the financial responsibilities you have to contend with is auto insurance. Car insurance can be challenging to understand, especially for new drivers. However, the good news is that Access Legacy Insurance Group of Brooklyn, NY is here to help you understand auto insurance.

Is auto insurance mandatory in New York?

You guessed it right. Auto insurance is mandatory in New York. Failure to show proof of insurance ownership could result in numerous fines and penalties. Again, you have to pay for accident-related damages and bodily injuries from your pocket without auto insurance.

The New York requires you to incorporate the below mandatory coverages in your auto insurance:

Liability insurance

Covers medical expenses for bodily harm caused to other persons in an accident, you are deemed liable. The property damage liability covers losses caused to third parties in an accident in which you are at fault. The liability coverage also protects you against lawsuits.

Personal injury protection (PIP) coverage

It’s also known as no-fault insurance. It covers the below regardless of who was at fault.

• Medical expenses for you and your passengers
• Partial loss of income
• Death benefits

Uninsured motorist insurance

Did you know that over 5 percent of New Jersey drivers aren’t insured? While this may be below the national average of 12.9 percent, it still puts you at risk. You see, uninsured motorists leave a trail of uncovered costs when they cause accidents. Since they don’t have insurance, they are unable to cover emanating medical expenses and property damages. However, when you have uninsured motorist coverage, you don’t have to worry about less responsible drivers.

While the state requires the above auto insurance plans, they don’t protect you optimally. That said, you need to consider the below car insurance options:

• Comprehensive coverage
• Collision coverage
• Roadside assistance coverage

If you are in Brooklyn, NY, and looking for auto insurance, don’t look beyond Access Legacy Insurance Group. Contact us today, and our friendly staff will help secure you and your car with proper auto insurance.

The mission of Access Legacy Insurance Group, located in Brooklyn, NY, is to see New York drivers stay on the roads with the right auto coverage. This way, drivers aren’t only compliant with the law but also protected from various perils inherent with vehicle ownership.

Most drivers understand that they must carry auto insurance, but it can be confusing to determine whether you are carrying adequate auto insurance. With many car insurance ads out there, it can be challenging to determine whether you are carrying the right insurance. Fortunately for drivers, we are here to explain three areas that your auto insurance must cover.

Liability protection

Driving comes with many variables. As such, accidents can occur at any time. And because we can’t predict accidents, your auto insurance must carry liability protection to cover for bodily injuries and property damages you may cause to third parties.

While the state has a minimum liability coverage requirement, your agent should advise whether that policy limit provides you with optimal coverage.

Vehicle protection

Ever thought of risks surrounding your car? Ranging from accidents, theft, vandalism, fire, and other natural disasters, these risks can quickly sink your investment in the twinkle of an eye. However, with the right auto coverage, your insurance should pay for damages or replace your car in case of a total loss.

Medical payments

You must be aware of the rising healthcare costs in America. Now, imagine you or your passengers sustaining accident-related injuries, and you have little or no health insurance coverage. Believe it or not, you would be expected to cover medical expenses from your pocket.

However, when you have medical payments coverage or PIP, your insurance covers medical expenses, funeral expenses, and income loss if you or someone else is involved in an auto accident.

Auto Insurance in New York

Shopping for auto insurance? Your search has ended. Contact Access Legacy Insurance Group in Brooklyn, NY today for all your auto insurance needs.

Motorists often regret choosing less expensive auto coverage down the road. One way they lower their premiums is by forgoing collision coverage. We offer auto insurance coverage, including collision coverage at Access Legacy Insurance Group.

The following are three reasons you need collision coverage on your auto insurance policy in Brooklyn, NY. 

Your vehicle is essential for meeting your transportation needs.

Many consumers out there need their vehicles to be up and running to get where they need to be. That means that you can’t wait around to save up funds to pay for needed vehicle repairs.

If you have collision coverage, you can get repairs performed right away. In fact, collision coverage often includes rental vehicle coverage. This means you’ll get a rental vehicle to use until your vehicle is up and running again. 

Car accidents can result in thousands of dollars of damage to your vehicle.

As a motorist, you need to realize just how much a vehicle accident can cost. If you get in a bad accident, you might need to spend several thousand dollars to get your vehicle running again. Chances are, this is going to put a dent in your savings. 

Collision coverage pays for damages when incidents don’t involve another driver. 

You might feel that you are a pretty good driver, so you’re unlikely to cause an accident. This means you think other drivers involved in an accident will have liability coverage to cover the costs.

However, it’s possible to experience damage to your vehicle with no other motorists involved. For example, a branch can fall and crack your windshield, or your vehicle could experience damage if you drive over a bad pothole. 

Collision coverage covers the costs of damages to your vehicle in situations like these, where you can’t rely on another driver’s liability coverage. 

We can offer you collision coverage on your auto insurance policy in Brooklyn, NY at Access Legacy Insurance Group. Get in touch with us to learn more.