If you're like most people, you don't have a plan in place should something happen to your car. However, purchasing the right auto insurance policy from Casterlin Insurance Brokerage in Wolcott, NY can help with that.
The first thing you have to remember when it comes to auto insurance is that you're required to have it in just about every state, including New York. When every driver has auto insurance, there's no worry of somebody not being paid for the damages their vehicle sustained in an accident. If you're caught driving without valid auto insurance, you can be punished with fines and temporary revocation of your driver's license. However, since you're only obligated to pay for the other driver's property damage and medical bills via your insurance, the minimum coverage you're required to carry isn't much.
There generally aren't a ton of decisions you have to make when shopping for auto insurance, but you do have to decide whether you want full coverage or liability coverage. Liability coverage is the minimum legal requirement for drivers in New York as it offers compensation to the other person in the accident if you're responsible for the crash.
However, you won't get reimbursed for damages to your vehicle when you have liability insurance. Full coverage, on the other hand, pays both parties for damages to their vehicles and medical bills, which means you get a lump sum of cash that you can use to buy a new car to stay on the road. One of the most significant differences between the types of coverage is the higher monthly premium that comes with full coverage.
You need to have auto insurance no matter what and having a good auto insurance policy never hurts. If you're interested in an auto insurance policy from Casterlin Insurance Brokerage in Wolcott, NY, use our free quote tool to get a quote online today or contact our office.