Auto Insurance In NY
Accidents Can Happen When You Least Expect Them - Be Ready!
Everyone thinks they are a safe driver and may you think "I won't have an accident", but unfortunately there is no guarantee that is true. Even though we all think we are good and safe drivers, accidents happen. Accident is unintentional - no one meant for it to happen. If you do have an accident the most important thing is that you and your family are protected with the right Auto Insurance.
Unfortunately, one of our newest clients learned this first hand. We only insured the husband's business. We kept asking for the opportunity to quote the home, auto and other personal lines business but they were always too busy. The client's wife was just driving out of the auto repair facility, after having some routine maintenance done. She looked both ways before pulling out proceeded to drive forward and glanced up only for a moment to review the oil change sticker in the window. That split second their whole lives changed. She rear ended the small vehicle in front of her going at a very fast speed all four passengers in the vehicle in front of her were seriously injured. She only had split liability limits of $50,000/$100,000 for bodily injury. $100,000 was not enough to cover the bodily injury of the four passengers. They were sued and now their home, business assets and future earnings are in jeopardy.
That's when you are the most vulnerable. Because if you are not protected, your life as you know it, could disappear.
NY Car Insurance can be complicated. Let the experts at Tanner Insurance Agency, Inc. give you peace of mind, so if you are involved in an auto accident, you and your family are properly protected.
Expert Protection For Your Vehicle
Automobile Insurance protects you, your family and your assets in case of loss, injury or damage. It can consist of the following protections:
- Liability Coverage - In the event you are in an at fault auto accident, bodily injury and property damage of others is covered. Mandatory Auto Insurance Coverage. If you want to drive your car on public roads, you must have liability coverage.
- Collision Coverage - in the event of your car is damaged by a collision or upset. This is an optional coverage. If you collide with any other object and you want the damage to your vehicle repaired, you need collision coverage.
- Comprehensive Coverage (also know as 'other than collision coverage) - This is also an optional coverage. if your car is damaged by anything other than collision. Usually things out of your control, fire, vandalism, theft, hail, etc.
Other protections can include:
- Medical Payments if you have to pay on an injury for yourself or a passenger.
- Uninsured Motorist Protection. Just because the law says Car Insurance is mandatory, does not mean that everyone will have it or enough of it. This coverage protects you if you are involved in an auto accident and the other vehicle did not have insurance or adequate limits.
- Towing and Labor - towing from the site of disablement to another location. For example, auto repair facility or your home.
- Rental Reimbursement - If you submit a comprehensive or collision claim you will be eligible for a rental vehicle while it is being repaired regardless of fault.
We will show you all of your protection options, recommend the right limits based on your individual circumstance and make sure you are receiving all of the discounts you are entitled to.
Tanner Insurance Agency, Inc. Your NY Car Insurance Expert
Many companies also offer multi-policy discounts if you write your home or renters policy with them as well. You will receive a discount on both policies! In many cases, we have had individuals save more than enough on their auto with the multi-policy discount to cover the entire premium on their renters policy! That's like getting a policy for FREE!
We have protected the residents and business of NY since 1984. Our skilled agentys offer coverage not only in Madison, but can also write Automobile Insurance in Norwich, Oneida, and throughout the state of New York. We know the area. We know the residents. We know how to protect you with the right policy. Be sure to visit our research center for topics or life changing events that may be of interest to you. We offer many free reports regarding these topics that are available for immediate download at no cost to you.
Avoiding accidents is not promised to you or anyone else. So, don't delay. Be prepared for life's misfortunes. Complete the Protection Savings Form now and let the professionals at Tanner Insurance Agency, Inc. forge a shield of protection over you.