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Phone: 718.701.2776
The Law Offices of Frank J. Dito, Jr.

Car Insurance Coverage Basics – What You Need to Know About Your Policy

Frank J. Dito, Jr.
Car accident, personal injury and workers’ compensation attorney serving Staten Island and Brooklyn New York.

Auto insurance is difficult enough to understand, but when you throw in the fact that New York has a no-fault insurance system, things can become very confusing.  Most of the time, people don’t give a whole lot of thought about their auto insurance coverage after it is purchased, until they are involved in a Staten Island car accident or sustain damage to their vehicle.

A car insurance policy is supposed to cover your loss when your vehicle is damaged or someone is injured in a car accident.  There are different types of coverage included in an insurance policy, which are as follows:

1. Collision – this coverage protects you if there is physical damage to your vehicle from a New York auto accident if you were at fault.

2. Property damage liability – this coverage insures you when you cause a car accident that results in physical damage to other people’s vehicles.

3. Comprehensive – this coverage provides protection against theft or physical damage to your own vehicle from an event other than a car accident.

4. Bodily injury – in New York, you are required to carry this coverage.  It will pay for other people’s injuries that resulted from a crash in which you were at fault.

5. Uninsured motorist – if you are in a car accident caused by an uninsured motorist, you can make a claim if you have this type of coverage.

6. Personal injury protection – this coverage, which is also known as PIP, covers your reasonable and necessary medical expenses and lost wages, regardless of who was at fault in a car accident.

For more information regarding New York auto insurance, request our free book, A Lawyer’s Guide to Purchasing Car Insurance.   If you have been injured in a car accident in Staten Island, New York City, Brooklyn or other area in New York, contact The Law Offices of Frank J. Dito, Jr., at 718-701-2776 or 800-310-5520.