Auto insurance in Suffolk County, Nassau County, and the 5 boroughs of New York.
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Not all auto policies are the same. There are some bare minimum insurance requirements, and in most states that means your insurance will cover the damage you cause to other cars.
However, car insurance in some ‘no fault’ states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.
There are also policies that cover against auto-theft, fire damage, or damage in a single-vehicle accident You can also get policies to cover damage inflicted by uninsured drivers.
Let us go to work for you, and find the right policy, with the right coverage, and the right price. It’s the best way to keep you, your family, and others safe.
Car insurance is designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a set of coverages you select.
Most states require that you have car insurance if you own a vehicle, but mandatory minimum coverage and policy limits will vary. If you finance or lease your vehicle, your lender may also require specific coverages.
Beyond legal requirements, having car insurance is a smart decision. If you cause an accident, you may be held responsible to cover the related expenses such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk.
Working with an insurance representative to help you choose a car insurance policy that addresses your individual needs and budget can help protect you, your loved ones and your assets.
It depends on the coverage options you choose. Since bodily injury and property damage liability insurance is required in most states, at a minimum your policy should cover vehicle and property damage, injury-related expenses for other people involved in an accident you cause, up to the state-mandated minimum policy limits.
You and your car, however, may not automatically be protected by the minimum coverage requirements. To help get the best protection for your individual needs, discuss available coverage options with your local independent agent or Travelers representative.
Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your policy. Typically, your policy protects other licensed drivers not listed on your policy who occasionally drive your car, such as:
Check with your local independent agent to learn more about who needs to be included and who is covered on your policy.
Getting a car insurance quote from E.A. Funk and Associates is easy. Just contact us or Travelers representative, or use our online quoting tool to start creating a policy that offers the protection you need at a price you can afford.
E.A. Funk and Associates, inc. provides insurance services built for New York Residents and businesses.
1919 Middle Country Road, Suite 300A Centereach, NY 11720
P: (631) 467-4747 | F: (631) 467-5160 info@eafunkinsurance.com
