Auto Insurance in Suffolk County, New York
Having a quality auto insurance policy can provide a layer of protection against property damage and liability claims in the event of an accident. Suffolk County residents know that E.A. Funk & Associates Inc. is the agency to visit for quality auto insurance policies in New York. The agents will help you find a policy that offers ample protection and complies with applicable state auto insurance requirements.
E.A. Funk & Associates has been helping its clients in and around Suffolk County get the insurance solutions they need since 1976. Give us a call today to see how we can help.
Quality Auto Insurance Options for All Drivers
By buying an auto policy, a driver agrees to pay the insurer, which in turn agrees to provide payment and other support to the driver in unexpected vehicle accidents or other problems. Various benefits that you might need to carry within your plan include the following.
When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you. Most policies include two benefits:
Collision and Comprehensive Damage Insurance
Bodily injury liability coverage. This pays for third-party medical bills sustained in the accident and sometimes for death benefits if the injured party dies.
Property damage liability coverage. This pays for damage to the other party’s property, such as their vehicle, following the accident.
This covers damage to your own vehicle when it is in a wreck. Comprehensive coverage is a separate benefit that pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar incidents.
Some physical damage benefits will pay based on the vehicle’s actual cash value, while others will pay based on its replacement cost value. The car’s actual cash value is based on its depreciated value at the time of the accident, while the replacement cost value will match the value of a new vehicle.
Medical Payments Coverage/Personal Injury Protection
If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance
This coverage insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage and your injury costs.
There may be other additional insurance offerings you can add on to your auto policy, so be sure to ask your agent when you give us a call.
Here at E.A. Funk & Associates Inc., we take pride in being your local auto insurance experts. We will ensure that both your benefits and your premiums always match your needs, and as your driving habits change, so too can your policy.