Providing New York Auto Insurance for 40 Years

Insuring your automobile is an important step in protecting yourself from personal financial loss should you become involved in an accident.

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Personal & Commercial Auto Insurance in New York

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Auto Insurance

(Amber edit) Auto insurance is an agreement between you and an insurance company that states that as long as you continue to pay your premium the insurance provider will pay losses as stated within your policy.

Property, Medical, and Liability Coverage

  • If your automobile is damaged or has been stolen or goods have been stolen from your vehicle property coverage is designed to cover a portion of those costs.
  • If you or those involved in an accident need medical care, including but not limited to cost of rehabilitation, hospital stays and even funeral expenses, medical coverage may cover those costs.
  • Liability coverage is design to cover your legal responsibility to others should they receive bodily injury or damage to their property.
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Insurance Terminology


This coverage is used when there is a collision involving the policyholder’s auto that involves a new vehicle or the collision with non-vehicle related objects.


For non-vehicle to vehicle collision damage, this can include, but is not limited to, the following acts: theft, fire, flood, earthquake, riot, falling objects, missiles, and other uncommon acts.

Uninsured Motorist

If the policyholder collides with an uninsured motorist this coverage aims at treating the policyholder’s injuries. This may also be added into a policy as underinsured motorist coverage, meaning if there is a collision and the at fault driver doesn’t have enough coverage the coverage may bridge that gap.

Medical Payment or Personal Injury Protection

This covers injuries received to the policyholder and passengers of the policyholder’s vehicle. PIP coverage may include medical payments and protection against wage loss.

Bodily Injury Liability

If a policyholder injures another person.

Property Damage Liability

If a policy holder damages another person’s property.

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