Auto insurance, or car insurance, is necessary coverage for car owners. Accidents can occur any time and may result in high repair costs. Auto insurance can provide financial protection from hefty out-of-pocket expenses after a covered incident. Choosing the right coverage may be challenging, and the Paris-Kirwan Insurance agents are here to help you learn more about the process. 

How Does Car Insurance Work? 
Car insurance works like most insurance policies. In return for a monthly or annual premium, your insurance provider will offer financial protection from high out-of-pocket costs following a covered incident, depending on your policy. You also may be required to pay a deductible, an out-of-pocket expense you pay after a covered accident before insurance assists in covering remaining costs. 

What Does Car Insurance Cover? 
Auto insurance policies vary among car owners. Most policies include liability coverage, insuring you against bodily injuries and property damage. Additionally, some standard coverage options may include the following: 

• Personal injury protection (PIP)
• Medical payments coverage
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage 

The agents at Paris-Kirwan Insurance can help you learn more about customizing car insurance and additional coverage options. 

Do I Need Car Insurance? 
New York requires drivers to carry liability insurance and PIP. However, if your policy does not cover an accident, you may be forced to pay for the associated costs. Sufficient auto insurance can provide excellent financial protection from high accident-related expenses. 

How Do I Get Covered? 
If you are a car owner near Rochester, New York, the experienced Paris-Kirwan Insurance agents can help you select the right policy for you and your car. 

Contact one of our agents today at 585-473-8000 to request a quote on a policy.

 

You may also be interested in…