New York Car Insurance
Serving the car insurance needs of Highland, Poughkeepsie, Kingston and all of New York since 1990.
An auto insurance policy is a contract between you and an insurance company. In exchange for paying a premium, your insurance company promises to pay for specific car-related financial losses during the term of the policy.
By purchasing the right New York car insurance policy, you can get get back on the road quickly if your car is damaged or destroyed by accident, theft, fire, or other covered event. Your New York car insurance policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Whether you own a car, motorcycle, classic car, RV, boat or ATV, Accent Insurance Services, LLC of Highland, NY can help insure you. Contact us for a free New York car insurance quote.
How much New York car insurance do I need?
Based in Highland, New York, Accent Insurance Services, LLC understands the car insurance needs of our customers.
Auto insurance requirements vary by state. In New York, to drive you must carry the following minimums for liability insurance:
- $25,000 per person / $50,000 per accident for injury (BIL)
- $50,000 per person / $100,000 per accident for death (BIL)
- $10,000 for property damage caused by any one accident (PDL)
- $50,000 for basic no-fault insurance
- $25,000 per person / 50,000 per accident for uninsured/underinsured motorist liability
Drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. We write insurance in New York and would be happy to help you ensure you have the right coverage for where you live.
What if I finance a car in New York?
To finance a car in New York, it is usually necessary to have insurance that covers damage to your vehicle. This includes:
Collision insurance coverage pays for damages to your car from accidents involving other cars or objects. Standard collision coverage will pay for any repairs up to the fair market value of your car and usually comes with an insurance deductible (the amount of money you pay toward repairs before your collision insurance kicks in). The higher the deductible you’re willing to pay, the less your collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damages to your that were not a result of collision, like if your car were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). Although, comprehensive coverage is not legally required by New York, you will probably need it if your car is financed.
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