If you plan on owning and driving a car, you’ll need car insurance. But unless you are an insurance expert or have been on of the few people to read your policy from front to back, odds are you may have some questions or possibly not even understand the details of your coverages.

Rochester New York Car Insurance has detailed below the definitions and terms of the most commonly misunderstood types of car insurance coverages for your review. Be sure to contact your New York Car Insurance today if you should have any more questions or concerns.

Liability Insurance

This type of coverage covers the cost of damage or necessary medical intervention should you be at fault of an accident. It does not cover any damage and/or injury done to yourself or your passengers, just for other drivers.

Personal Injury Protection

PIP covers the costs of injuries to your person or to the passengers in your vehicle, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Should you be involved in an accident or hit and run with someone who does not have enough insurance or who is not covered at all, this type of coverage will financially protect you and your assets. Rochester New York Car Insurance companies strongly suggest that you consider purchasing this add-on since nearly a quarter of all drivers are currently underinsured or not insured at all. Why take that chance?

Medical Payments Coverage

If you opt for this protection, medical bills and treatment costs will be covered for you and your passengers regardless of fault if you are involved in a car accident. There is generally a $10,000 or less limit and are used in conjunction with your medical insurance coverage.

Rochester New York Car Insurance companies suggest that you take the time to speak with your agent about how much coverage you will need and what add-ons are necessary. Making sure to annually review your policy and discuss any changes to your personal status that may affect your rates is advisable.

A Couple Extra Tips

Tip 1 – Try to know what affects your policy premiums.

You should know your age, sex, license history, vehicle type, or your marital status and your credit score are just a some things that may impact your rochester ny auto insurance premium.

Tip 2 – Only insure who will actually be driving your vehicle.

If you are the sole person that uses your auto, why should you insure other members of your household, especially teenagers that do not need to be insured? With multiple drivers at different ages and the chance of them not having a perfect driving record it is a good idea to keep your policy to as few people as possible. There is no since in throwing money down the drain.

Lastly, making sure that your vehicle’s registration and insurance coverages are kept current and active will be sure to save you money and a lot of hassle in the long run. Don’t risk being involved in an accident when either has lapsed.

Author Bio: David J Williams Author and Owner Of Nysurance your number one informational resource for rochester new york car insurance . Learn more today by visiting our blog filled with more great articles or call us at 1-888-9SAVENY to talk with a live licensed rochester new york car insurance agent.

Category: Finances
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