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UPDATED: Jan 8, 2020
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New Yorkers complain about a lot of things, and one of the things they complain the most about is the cost to own a vehicle in that state. The cost of a vehicle is one thing in itself. Then there are all of the other expenses, including maintenance, parking, fuel, and of course, insurance. If you live in New York, you may want to consider having full coverage auto insurance so that you are covered in any eventuality, from collisions to theft and vandalism.
Not Everything Is Covered
It is important to remember that New York full coverage car insurance does not mean that everything is going to be covered, and you may still not be carrying quite enough insurance. But, it does provide you with a lot more coverage than just the bare minimum that is required by the State of New York, which is $25,000 for injury/death to one person, $50,000 for everyone injured in an accident, $10,000 for property damage, and $50,000 no-fault insurance if they are in a collision with an uninsured driver. Uninsured coverage must cover both property damage and injury.
Often, New York motorists purchase additional coverage to make sure that they have complete protection, and many prefer to have a full coverage auto insurance policy. Some of the things that are not included in all full coverage car insurance policies include:
- Rental car coverage
- Full glass coverage
- Medical and rehabilitation expenses
- Loss of income
- Funeral expenses
What Is Included in Full Coverage?
While not everything is covered when you have a full coverage policy, there are a number of things that are covered that could get pretty costly if you had to pay for them yourself. You full coverage policy should include the following:
- Liability Coverage – This will pay for injuries to other motorists if you are at fault in a collision. This is required in New York. In fact, the only two states that do not require liability coverage are New Hampshire and Iowa.
- Collision Coverage – This will pay for any physical damage to your own vehicle if you are at fault in an accident, even if you hit an object, such as a building, a tree or a parked vehicle.
- Comprehensive Coverage – This will pay for physical damage to your car that has happened not because of a collision, but something else, such as a natural disaster. This type of coverage pays for damages caused from vandalism, theft and severe weather.
Know What You Want
When you are seeking full coverage car insurance quotes, make sure that you have a list with you of all the things that you wish to have included in your coverage. This way, you will be able to get the most accurate quotes and find out which companies are going to offer you the best insurance products at the best rates. Some of the things that should be included in your list are:
- Maximum liability insurance limits
- Personal injury protection, both for yourself and for your passengers
- Uninsured and underinsured motorist coverage that covers you if you have an accident with someone who is not carrying any or enough insurance
- Physical damage coverage
- Towing coverage
- Rental car coverage
- Full glass coverage
- Medical expenses coverage
If you are going to have a full coverage insurance policy, you need to make sure that you actually do have full coverage. It may take a little bit of time on your part to sit down and figure out everything you need, but in the long run, it will definitely be worth it. Of course, if yours is an older vehicle, you may decide that you don’t need to carry this much insurance.
Basically, in the end, as long as you have the minimum requirement for the State of New York, any other insurance coverage you have is gravy. Having the additional coverage will protect you, and your wallet, if you are in an accident and end up with a lot of expenses as a result. It can also help you in rare incidences like getting involved in an accident while driving a rental car.
Before you buy any auto insurance, make sure that you get a number of quotes from many different insurance agencies. You don’t have to pay high prices for insurance if you do your homework and make the effort to get the best deals in the state. Don’t forget to look over everything in your policy once you do get it, and make sure you read the fine print so you are aware of all costs involved.