{"id":24,"date":"2021-04-27T04:00:00","date_gmt":"2021-04-27T10:00:00","guid":{"rendered":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/?p=24"},"modified":"2021-04-27T10:49:08","modified_gmt":"2021-04-27T16:49:08","slug":"understanding-new-york-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/understanding-new-york-auto-insurance\/","title":{"rendered":"Understanding New York Auto Insurance"},"content":{"rendered":"

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.<\/span><\/p>\n

Is auto insurance mandatory in New York?<\/span><\/strong><\/h2>\n

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.<\/span><\/p>\n

The New York requires you to incorporate the below mandatory coverages in your auto insurance:<\/span><\/p>\n

Liability insurance<\/span><\/strong><\/p>\n

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.<\/span><\/p>\n

Personal injury protection (PIP) coverage<\/span><\/strong><\/p>\n

It’s also known as no-fault insurance. It covers the below regardless of who was at fault.<\/span><\/p>\n

    \n
  • Medical expenses for you and your passengers<\/span><\/li>\n
  • Partial loss of income<\/span><\/li>\n
  • Death benefits<\/span><\/li>\n<\/ul>\n

    Uninsured motorist insurance<\/span><\/strong><\/p>\n

    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.<\/span><\/p>\n

    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:<\/span><\/p>\n

      \n
    • Comprehensive coverage<\/span><\/li>\n
    • Collision coverage<\/span><\/li>\n
    • Roadside assistance coverage<\/span><\/li>\n<\/ul>\n

      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.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      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. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[10,9],"class_list":["post-24","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-access-legacy-insurance-group","tag-brooklyn-ny"],"_links":{"self":[{"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":1,"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions"}],"predecessor-version":[{"id":25,"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions\/25"}],"wp:attachment":[{"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/media?parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/categories?post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.accesslegacyinsurancegroup.com\/blog\/wp-json\/wp\/v2\/tags?post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}