Rochester Auto Insurance

carfamilyAn auto insurance policy is a contract between you and an insurance company.  In exchange for the premium you pay the insurance company agrees to pay for specific auto-related financial losses during the policy term.  The right auto policy can protect you from expenses related to damage to your vehicle, medical bills incurred after an accident, even legal expenses if a lawsuit is filed in connection with an accident involving your vehicle.

There are several basic parts to an auto insurance policy, some of which are required by state law, and others which are optional.   Most policies have either a 6 month or 1 year term.

You should periodically review your auto insurance policy to ensure that it provides sufficient coverage to protect your assets. Major changes like marriage, moving, and new drivers in the household can dramatically impact your insurance needs. The company you took out a policy with 10 years ago may no longer be the most competitive carrier based on your current needs. When you renew your policy with Pittsford Insurance Agency, we’ll review your policy to make sure you’re still getting the best coverage at the most competitive price. That’s something the big companies just can’t do. We also have a former insurance adjuster on staff to assist you with the claims process in the event of an accident.  Give us a call today or click here to request a free quote!


Auto Insurance 101:

The Basic Components of an Auto Policy

Bodily Injury Liability:

This coverage is for any injury sustained by another party resulting from an accident involving your vehicle. This coverage can protect you in the event that you are found liable for an accident which causes serious injury to another driver or passenger. New York State requires that all policies carry a minimum of $25,000 per person / $50,000 per accident.

Property Damage:

Covers any damage you do to another person’s property. Typically this could include another vehicle, a mailbox, fencing, a building, a guard rail, telephone pole, etc. The New York State minimum requirement for Property Damage coverage is $10,000.

Personal Injury Protection (PIP):

Personal Injury Protection or PIP is sometimes called “no-fault” insurance. It covers medical expenses related to an accident for you or any passengers in your vehicle. It is paid regardless of who is at fault in an accident. This is also a mandatory coverage in New York and all policies carry at least a basic limit of $50,000. This coverage also includes benefits for household expenses ($25/day), 80% of lost wages (up to a maximum of $2,000/month), and a $2,000 death benefit. Higher limits are available for an additional fee.

Uninsured/Underinsured Motorist Coverage:

This coverage protects you in the event that you are hit by someone who does not have insurance, a hit-and-run driver, or a driver who does not have enough insurance to cover the damages they caused you. This is also a mandatory coverage in NY and all policies must contain limits of at least $25,000 per person / $50,000 per accident. These limits cannot be greater than the limit you carry on your Bodily Injury coverage.

Medical Payments: 

Similar to Personal Injury Protection, Medical Payment coverage (often called Medpay) is designed to cover medical expenses for you and your passengers. Medical Payment coverage kicks in if your PIP coverage is exhausted.

Comprehensive Coverage:

This covers physical damage to your vehicle for things not related to an accident, such as: fire, theft, vandalism, collision with an animal, weather, falling objects, etc. Typically you would select a deductible for this coverage which is the amount you would pay toward a loss resulting from any covered damage. Generally choosing a higher deductible will result in a lower premium for this coverage, and vice-versa. This coverage is often required for vehicles that are leased or financed.

Collision Coverage:

Collision coverage covers damage to your vehicle after you’ve had an at-fault accident. You can also use Collision coverage after an accident that was not your fault, which usually gets your car repaired faster since you are not waiting for the other company to complete their investigation of the accident. Similar to Comprehensive coverage, a deductible applies when you use your Collision coverage (regardless of fault). In the event the other driver was found to be the cause of the accident your insurance company can request reimbursement for any payments made (including your deductible).

Request a Quote: