What does auto insurance cover?

Auto insurance offers a variety of different types of coverage. It is designed to protect others from you and at the same time give you the opportunity to protect your vehicle from a variety of risks. You have choices and making the correct one will make sure you have the protection that is right for you personally and your vehicle. At Genesee Valley Agency in Arkport, NY we believe the way our customers are treated represents our business. We believe our employees are our greatest asset. 

Some of the coverage auto insurance offers is mandated. Every state has their requirements. In New York the requirements are PIP (Personal injury protection), liability and uninsured motorists. If your vehicle is leased or has a car loan, you will need to have collision and comprehensive. 

PIP

No-fault- Personal injury protection is insurance that covers medical injuries, lost wages and other reasonable expenses from an accident caused by your vehicle. 

Liability

Protects other people and their property from injury you may inflict with your own vehicle or while driving someone else’s vehicle with their permission. 

Uninsured motorist

This protects you, your family and anyone else who might be in your vehicle when you are in a hit-and-run accident or in an accident with someone who does not have insurance. 

Collision

This coverage protects your vehicle in the event you are the driver who causes an accident. It will pay for repairs and replacement in the event your vehicle is totaled minus a deductible. 

Comprehensive

Comprehensive coverage also covers your vehicle. It protects you from events beyond your control like theft, vandalism, hail, wind, and large animals like deer that run into the road in front of your vehicle. Glass coverage is usually included. 

Contact Genesee Valley Agency in Arkport, NY for all your auto insurance needs.