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Home > Auto Insurance | Setauket, NY | E. A. Funk And Associates, Inc.

Auto Insurance in Setauket, New York 

By law, every New York driver must have car insurance. The coverage requirement exists to protect all drivers—even the safest ones—from the numerous driving hazards that are constantly present. If you’re looking for car insurance tailored by your coverage needs and budget, then call E.A. Funk and Associates Insurance. Our agents are committed to helping every customer understand what types of coverage are best for them, and we want to help you too. 

The average auto insurance policy can include the following: 

  • Collision insurance pays for damage to your own car following a wreck.

  • Comprehensive insurance covers vehicle damage that is not related to a collision. This policy may pay for damage from fires, vandalism, severe weather, theft and similar events.

  • Uninsured and underinsured motorist coverage pays for your own vehicle damage and injuries if an accident is someone else’s fault, but they lack liability coverage to repay you.

  • Roadside assistance allows you to call your insurer for help if you experience setbacks like flat tires, dead batteries or other common vehicle issues.

  • Rental car reimbursement pays for some of the costs of a rental car if you have to send your regular car for repairs following a wreck.


Our insurance experts can also help you determine if you qualify for perks like replacement cost coverage for physical damage, vanishing deductibles, gap insurance and custom parts coverage. 

Common Auto Insurance Questions:


How Does Car Insurance Work? 
There are always risks involved in driving a vehicle and sharing the road with other drivers—that’s why car insurance exists. Vehicles are an investment but also potentially dangerous, meaning any mishap could result in costly repairs. If you want to protect yourself against these potential financial challenges, then you’ll need to have a tailored policy in place. 

If you ever experience an unexpected vehicle loss from a wreck, vehicle theft or storm damage, then an auto insurance policy can help you pay recovery costs. The goal is to get you back on the road with as little monetary loss as possible. Although a policy doesn’t pay for regular maintenance or wear and tear on your vehicle, you’ll want coverage in the event of unexpected challenges. 

What Car Insurance Do I Need in New York? 
Because of New York’s mandatory insurance laws, drivers must carry at least the following coverage: 

  • $50,000 personal injury protection (no-fault bodily injury coverage)

  • $25,000 bodily injury liability coverage per person ($50,000 per death)

  • $50,000 bodily injury liability coverage per accident ($100,000 per death)

  • $10,000 property damage liability coverage


New York uses a hybrid fault/no-fault insurance system to cover bodily injuries. Regardless of whose fault an accident is, involved drivers must first file against their personal injury protection to cover injury costs. However, if an accident is deemed your fault, another involved driver can also make a claim against your bodily injury liability coverage for further funds. Fault applies in all instances of property damage. 

How Are Auto Insurance Rates Determined? 
Our agents can help you determine which policy options offer you optimized cost benefits. Many factors influence your policy cost, including: 

  • The value of your car

  • Your driving record

  • Your credit score

  • Where you live


To help maximize your savings, we’ll see which of our carrier partners offer you the best discounts and savings opportunities. 

E.A. Funk and Associates Insurance has been helping New York drivers get the right auto insurance for more than 40 years. Call us today at 631-467-4747 or fill out a free online quote.

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1919 Middle Country Road, Suite 300A
Centereach, NY 11720

P: (631) 467-4747 | F: (631) 467-5160 | E:info@eafunkinsurance.com
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