New York State Auto Insurance

A New York State auto insurance policy has four parts. Each part provides for a different kind of coverage. The liability part covers auto accidents which you cause. The bodily liability will pay for the other driver's injuries as well as legal bills if you're sued. And the property damage liability pays for his car or other property. To adequately protect yourself you should get at least $100,000 bodily liability and $50,000 for property damage.

The second part of your New York State auto insurance policy pays for your medical bills and your passengers' when injured in an accident. Some of this coverage may be duplicated by your existing medical or health plan, so where there's an overlap, you can eliminate it.

When you're in an accident caused by an uninsured or underinsured driver, this is covered by the third part of your New York State auto insurance policy. It will pay for your bills that he doesn't. It's recommended that you have the same amount of this protection as your liability coverage.

Collision and comprehensive protection pay for repairing or replacing your car in an accident or if it's damaged or stolen when it's parked. The amount of coverage you get with your New York State auto insurance depends on the value of your car to repair or replace it. But you can do the smart thing and have a deductible of $500 or $1000 which saves you money and still provides major-accident protection.