New York Auto Insurance
Liability coverage is a requirement in every state. You need to protect your family with liability insurance and physical damage coverage for your car. Liability coverage will protect you and your family if you are sued due to a car accident you are involved in.
Collision and Comprehensive Insurance is what takes care of any accidental damage that you happen to cause to your own vehicle.
Below are a couple examples of accidents and mishaps other than fender-benders:
- Natural disasters: storms, tornadoes, hurricanes, earthquakes, hailstorms
- Fire, civil commotions, explosions
- Vandalism and theft
- Damage from impacts with animals (deer, etc.); note: a crash from swerving to avoid animals will likely fall under collision
- Broken/shattered windows and windshield
- Falling objects