Auto Insurance

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New York Auto Insurance

On your evening commute on the Long Island Expressway, you notice a car speeding at you in your rear view mirror. The driver is going way too fast and following you way too close. Through no fault of your own, you’re now in the position that is most fatal to New York drivers.

 In fact, in 2008, the highest fatalities in New York came from drivers going above safe speeds and following others too closely. You can't always prevent being in a dangerous road situation but with solid auto insurance you can protect yourself.

 If that driver in your mirror does collide with your car, consider the following questions:

 Will your auto insurance replace your car?

  • Will your medical costs be covered?
  • What if you cannot work while you recover?
  • Worst of all: what if that driver has no Auto Insurance?


Being able to answer all of the following questions makes financial sense. And it gives you peace of mind as a New York driver--something that is hard to come by.

Just as important, you can make sure you only pay for the auto insurance you need. You can adjust coverage levels for each area of insurance. That way you can minimize the premiums you pay for each of the following:

  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Liability
  • Medical

Some people believe that auto insurance in Farmingdale, NY is just a commodity. It isn't.

You're driving your car. You lose concentration and go through an intersection, not seeing that the light has turned red. It could happen to anybody. Unfortunately, as you go through the intersection, you encounter another car that is proceeding across your path because the light for this vehicle is green.

You broadside the other car. Later, you find out that the driver (or passenger) who has been seriously hurt, is a neurosurgeon who makes hundreds of thousands of dollars a year. Now, because of the accident, they will be unable to earn that living.

They've suffered an economic loss and will probably endure pain and suffering because of their injuries, the recovery period and the inability to work, so they sue you.

How much can they get from you? Everything you have!

With NY auto insurance, you are not only protecting yourself in case of an accident, but also your financial well-being in the future and the choices you make could affect you for the rest of your life. In fact, almost every week you can read about tragic accidents in the news, accidents that cause millions of dollars in damage and liability. Protect yourself by purchasing adequate Farmingdale auto insurance.

There are 6 components to New York auto insurance resulting in many different levels of coverage for you:

  1. Bodily Injury Liability
    It pays the medical and other expenses of people injured in an accident you cause. This is required by most states.

  2. Property Damage Liability
    It covers the damage your car causes to property, usually the other car or cars involved in the accident but also any objects you may hit (fence posts, garages, buildings). This is also required in most states.

  3. Uninsured/Underinsured Motorist
    This pays for injuries to you, and, in some cases, damage to your car, if you are hit by a driver who doesn't have insurance.

  4. Personal Injury Protection
    This coverage pays medical, and even funeral, expenses for you and members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.

  5. Collision
    It covers the damage done to your car when it collides with another car or an object.

  6. Comprehensive
    This covers damage to your car that results from something other than a collision, for example damage caused by vandals or a windstorm.

Brooks-Waterburn Auto Insurance

For 50 years, residents in Farmingdale and throughout Long Island have enjoyed unmatched auto insurance options from Brooks-Waterburn Corp. With one of our expert agents, you can create an auto insurance plan that gives you exactly what you want at a reasonable price.

Upgrade your auto insurance with Brooks-Waterburn Corp. today!  Call, visit our office, or fill out the form on this page right now for a free quote!

Other Resources: 

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