Is your auto insurance covering your needs?

Is your auto insurance covering your needs?

Get to know what is and what isn't covered
AAA Staff
Car accident in the winter

Winter weather makes driving more hazardous in Western and Central New York. Even great drivers can run into trouble on the road, which makes quality auto insurance all the more important. 

The question is, will your auto insurance cover you when you need it? Find out about the basic types of insurance coverage below.


Collision Coverage

Most lenders require collision coverage as a condition of your loan. Collision coverage covers physical damage caused by a collision, regardless of who was at fault. Collisions can involve another vehicle or an object, like a telephone pole or a tree. Ask your agent about the market value of your car before deciding how much you need; deductibles may apply.


Personal Liability Coverage

Crashes generally cost more than the minimum limits, according to the Insurance Information Institute, so it’s a good idea to get more liability insurance than required. In fact, every U.S. state except New Hampshire requires its drivers to purchase liability insurance to drive legally. Talk to your insurance agent about how much Property Damage Coverage and Bodily Injury Liability Coverage you should purchase.


Comprehensive Coverage

If your car is damaged by something other than a collision, such as hail, a fallen tree or vandalism, Comprehensive Coverage may cover the costs. Consider the market value of your car when deciding whether or not you need it.


Uninsured & Underinsured Motorist Coverage

If you're hit by a driver who doesn't have enough insurance, or any insurance at all, Uninsured and Underinsured Motorist Coverage may compensate you or a covered family member.


Medical Payments Coverage

Medical Payments Coverage may help with medical bills for you or anyone who is in your car during an accident.


The local agents at AAA Insurance can help you determine if your current auto insurance meets your needs, or if you could find better opportunities for coverage or savings.

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