When purchasing auto insurance Monticello, NY you want to make sure you will be adequately covered if involved in an accident. And you want to make sure this coverage will be adequate if you are or are not at fault.
The liability portion of your auto insurance Monticello, NY covers the other vehicle if you are involved in an accident that is your fault. Your insurance will pay for the other driver’s bodily injury and property damage up to your limits of liability. There is also a medical limit of liability for the other driver as well. The only portion of your liability coverage that is not for the other driver is if you choose to carry uninsured and under insured insurance. These coverages are self-explanatory, they will cover you if you are in an accident that is not your fault and the other driver has inadequate limits of liability. The premiums for the uninsured and under insured insurance are usually not very much.
The physical damage portion of your auto insurance Monticello, NY covers your vehicle in the event you are involved in an accident that is your fault. This is also the insurance that covers glass. You will want to know if your auto insurance has a separate, generally lower, deductible for glass or if your comprehensive deductible applies. This will be important to know if you ever have to replace a windshield or other glass in your car. Comprehensive coverages will pay for everything that is a collision claim. Both the comprehensive and collision coverages will have a deductible. You will have some input into what these deductibles are. Some companies have a minimum deductible you have to carry. And in general the higher your deductibles the lower your premium will be for those coverages. But don’t be too quick to pick a high deductible. If you are not able to pay that deductible in the event of an accident, you may be better advised to carry a lower deductible. Often the premium difference between the deductible is not that great.
Something most people don’t think of when purchasing auto insurance Monticello, NY is if their car has had any modifications. If you have added equipment to your car beyond factory installed you want to talk to your insurance agent. If your car is totaled the added equipment may not be covered unless you have an endorsement on your policy with a value for the equipment. This will cost you some additional premium.