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Auto Insurance Coverage Amherst New York NY

Reader’s Question:

I thought getting car insurance for my first car here in Amherst, New York will be easy! I’m getting confused with collision and comprehensive insurances and some other kinds of coverage a couple of car insurance agents I talked to tried to sell me, can someone explain more about this? Thanks!

Henry

Amherst, NY

Hello Henry, a lot of people out there would agree with you. Sometimes choosing the right insurance coverage can be confusing and downright frustrating. It gets worse if you’re expecting an informative consultation with an insurance agent instead you are given confusing, jargon-filled explanations of complex insurance packages by a sales persons, expecting you to know what they’re talking about and leaving you feeling like a complete idiot for not knowing so.

We always believe that an educated consumer is an empowered consumer so let us give you an idea of some car insurance coverage basics:

Liability Insurance Coverage
Undoubtedly one of the most important insurance terms you should get to know. This one can potentially save you from losing your shirt (and your sanity) if ever you get involved in a car crash. Liability insurance covers for any liability and monetary compensation you are obligated to pay anyone you may have injured in a car accident. Each state has a minimum required coverage amount and for Amherst, New York, it is computed as 25/50/10. ($25,000 for each injured person per accident for a total of $50,000 for all inured individuals per accident and $10,000 for property damages). It is recommended that you get a higher level of coverage that you can afford since you can be sued for much more than the minimum state requirements can cover for.

You may also want to get Personal Injury Protection which pays for treatment of your injuries, regardless as to which party is at fault.

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