NBP Insurance » Auto Insurance

New York State Auto Insurance

Your auto insurance is really a package of seven primary coverage’s, which together make up a standard auto policy. Each of this coverage’s has its own separate premium.

Bodily Injury Liability

This provides protection if you injure or kill someone while operating your car. This is a coverage you want to keep at a consistent level, even as your car gets older and declines in value. In the event of a serious accident, you want enough insurance (higher limits) to protect the asset that may become subject to a lawsuit.

Medical Payments, No-Fault or Personal Injury Insurance

This usually pays for the medical expenses of the driver and passengers in your car.

Uninsured Motorist Protection

This will pay for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver, in a crash that is not your fault. Given the number of uninsured motorists driving on our highways today, this is very important coverage to have, even in states with no-fault insurance.

Comprehensive Physical Damage Insurance

This coverage will pay for damage to your car if it is stolen, or damaged by flood, fire, animals, or other covered perils.

Collision Insurance

This pays for damage to your car when your car hits, or is hit by, another object. NBP offers a number of deductibles. You can opt for a higher deductible in order to lower your premium.

Property Damage Liability

This provides you with protection if your car damages someone’s property, and it also provides you with legal defense.

Rental Car Reimbursement

This coverage helps pay the cost of renting alternate transportation if your auto is disabled in an accident for more than 24 hours.