Auto Insurance for Lake Grove
Lake Grove drivers need quality auto insurance solutions to help protect against the risks you face owning and driving a car. Lake Grove residents know that E.A. Funk & Associates Inc. is the agency to visit for quality auto insurance policies in New York. Our agents will help you find a policy that offers ample protection and complies with applicable state auto insurance requirements. 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.
In New York, drivers are required to carry minimum levels of liability insurance. 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.
- Bodily injury liability coverage pays for third-party medical bills sustained in the accident and sometimes for death benefits if the injured party dies.
- Property damage liability coverage pays for damage to the other party’s property, such as their vehicle, following the accident.
This type of insurance covers damage to your own vehicle when it is in a wreck with another object. Animal collisions are typically not covered under this policy type.
Comprehensive coverage is a separate benefit that pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar incidents.
Medical Payments Coverage
If you get hurt in an accident, this coverage can pay for your or your passenger’s reasonable medical bills.
Personal Injury Protection (PIP) Coverage
PIP covers reasonable and necessary medical expenses for those named in the policy for injuries sustained from an automobile accident, income replacement and funeral expenses. In New York, drivers are required to carry minimum amounts of PIP coverage.
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, this coverage can pay for your car’s damage and your injury costs.
How to Get Auto Insurance
There may be other insurance offerings you can add to your auto policy, so be sure to ask your agent when you give us a call.
Here at E.A. Funk & Associates, we take pride in being your local auto insurance expert. We will ensure that your coverage and premiums always match your needs, and as your driving habits change, so too can your policy.