To drive in the state of New York, drivers must carry auto insurance. In fact, you cannot register a vehicle without it. It’s also required by most third-party lenders if you finance a car when you purchase it.

At Calderone Insurance Agency, we make purchasing auto insurance easy for you. As independent agents, we have access to a wide array of auto insurance products for our clients in the Lockport area, so we can help you find the one that’s right for your personal vehicle and your budget.

Minimum New York Auto Insurance Coverage

No matter what type of vehicle you drive, New York state laws determine the minimum amount of auto insurance you must have.

• $25,000 bodily injury for one person ($50,000 for death)
• $50,000 bodily injury for two or more persons ($100,000 for death)
• $10,000 property damage

These liability amounts are the least you can carry legally, but you are certainly able to purchase more.

Bodily Injury Liability

This type of insurance pays for medical bills for other parties if they are injured in an accident where you are at fault.

Property Damage

This coverage protects other people’s property if it becomes damaged in an accident where you are at fault. Typical coverage includes other parties’ vehicles, landscaping, fencing, and personal belongings. Note that this does not cover your own vehicle, which must be protected by a collision policy.

Additional Coverage We Recommend

Remember, the minimum liability amounts listed above are what the law requires to drive in New York. However, we often encourage drivers to carry more insurance to protect themselves and their vehicles. Just like minimum liability coverage, some of these protections may also be required by a third-party lender.

Collision Coverage

If you are in an accident and found to be at fault, the other party’s insurance will not cover damages to your vehicle. Therefore, collision coverage covers repairs or replacement of your vehicle up to a predetermined cap. We always recommend this for people who depend on their cars or trucks for work, school, or family activities.

Comprehensive Coverage

This reimburses the cost of having your vehicle vandalized, stolen, or damaged by natural disasters, hail, or fire.

No-Fault Coverage

Also known as Personal Injury Protection (PIP), this covers medical costs and other related expenses, like lost wages, regardless of who is at fault in an accident. It is designed to get drivers back to normal swiftly after an accident and to discourage lawsuits over fault and damages.

Uninsured Motorist Coverage

This protects you and your passengers if you are in an accident with a driver who either doesn’t have any insurance or has insufficient coverage.

Get the Right Auto Insurance Today

Perhaps you’re changing your current policy, buying a new car, or adding a young driver to your insurance. We’re here to answer all your questions about auto insurance and to help you find the right policy for your unique needs. We want to make sure you understand what’s covered and what to do in the event of a claim.

Don’t put yourself, your passengers, or other motorists at risk by driving without the auto insurance coverage you need. Protect your vehicle too so you’re not caught without transportation that’s vital to your lifestyle. Contact us online for a quote, or give us a call at 716-589-7283 for the auto insurance you need today.