EverGreen Insurance Agency, serving the Middletown, NY area, offers auto insurance for all of your needs in the state of New York. Knowing your legal requirements for carrying auto insurance is an important step toward keeping in line with the legal mandate. If you are stopped without insurance in New York, you could experience the following:
- Liability coverage must include a minimum of $25,000 for bodily injury to one person
- $50,000 for bodily injury to all persons
- $100,000 for property damage per accident
Why Knowing the Minimums is Important
Knowing the minimums is important not only because you need to know that you are following the law in your state, but also so you will know what these minimums cover. For example, if an accident results in more than the minimums for bodily injury or property damage, that means that, if it costs more to compensate people for the damages, you will be at a loss for the rest of the out-of-pocket expense.
Rule of Thumb for Insurance
Most insurance agents will tell you that the rule of thumb for insurance is that you need to carry enough insurance to cover a little more than the minimums in case the mandated amounts are not enough in a given incident. There may be other areas you want to insure as well to make sure you are protecting your personal property.
We are not recommending that you carry more insurance than you need. But it’s important to talk to the pros with EverGreen Insurance Agency if you live in the Middletown, NY area to make sure you have what you need. It’s important to protect your property, yourself, and those you love most. We can help. Call us today to find out more.