1. Bodily Injury Liability (BIL):

If you are found responsible for a car accident, bodily injury liability coverage will pay for the medical costs of other individuals who are injured. It will cover their emergency services, medical bills, and lost wages. Additionally, this coverage will contribute towards payment for legal defense in the event you are sued for damages.

2. Property Damage Liability (PDL):

This coverage assists when you are deemed at fault for causing an accident, that the financial responsibility you incur will be paid out to the amount of your coverage. In New York State $10,000 worth of coverage is mandated. A PDL policy generally includes:

• Repairs for damage to the other party’s vehicle.
• Costs to fix damaged or destroyed property such as businesses, houses, fencing, mailboxes, lampposts, etc.
• Legal fees
• Other party’s lost income
• Recurring expenses as a result of the accident.

3. Medical Payments or Personal Injury Protection (PIP):

This coverage pays for some or possibly all the victim’s medical bills up to the auto insurance policy’s cap. Once the no-fault limit is reached, responsibility shifts back to the victim or to his or her health insurance company. The coverage triggers regardless of who was at held at fault for the crash, but limits when victims can file personal injury claims. Note: For example, New York is a no-fault state speak with Grillo & Associates to learn more about your state’s coverages.

1. COLLISION

This is the coverage you’ll need if you are responsible for an accident that damages your vehicle or another object such as a guardrail, tree, fencing, or ‘phone pole in that it pays for repairs to your vehicle. If your vehicle is deemed a total loss, you’ll receive its then-current cash value. This coverage is also used when your vehicle is damaged by the vehicle or actions of another party.

2. COMPREHENSION

This coverage is for the unforeseen incidents that occur outside a vehicular accident and are often cited as unpreventable. Examples are viewed as ‘acts of God’ as they are known throughout the insurance and legal industries. The most common examples include:

• Cracked windshields from road debris and other sources.
• Storm-related damage
• Animal related crashes
• Theft
• Vandalism

3. UNINSURED MOTORIST COVERAGE

They are out there, drivers whose insurance has lapsed, or they are driving without a license and insurance coverages. This coverage takes care of your medical bills due to injuries sustained in an accident under these circumstances.

4. UNDERINSURED MOTORIST COVERAGE

For accidents involving drivers whose coverages are insufficient to cover your medical bills, this policy ensures that the additional burden of mounting medical bills will not be your responsibility.

5. ADDITIONAL EXPENSE

Accidents create monetary and logistics issues. Other aspects of your insurance can cover most contingencies. This coverage takes care of temporary lodging (should a vehicular accident damage your residence), a rental vehicle while yours is repaired, and similar costs. This is ideal for any commercial auto insurance policy for New York as it reduces overhead costs and ensures your business, especially those will mobile employees, up and running productively.

6. EMPLOYER’S NON-OWNERSHIP LIABILITY

Ideal for fleet and business cars, this coverage ensures that the company car will be regarded similarly to a personal vehicle re personal injury and repairs/replacement.

7. HIRED AUTO LIABILITY COVERAGE

Ideal for times when driving a rental car, or if a personal vehicle is lent to a third party on your policy. It provides the same coverages as your personal insurances.

8. HIRED AUTO PHYSICAL DAMAGE

This provides coverage, and need we say, peace of mind, for vehicles in short-term use by the insured for their business purposes. This is recommended as part of your commercial vehicle insurance for New York drivers for that extra measure of protection.