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NY Auto Insurance Full Coverage

We take a lot of pride in building a NY auto insurance policies for our insurance clients.  We don’t sell on price, we don’t sell on gimmicks, gifts, or bonuses…

ny auto insuranceAt the Murray Group sell on protection, communication and proactive service.

When the worst happens, our goal is to make sure you have the proper ny insurance coverage in place that will “financially” (very important to understand, financially) protect you, your family and your business.

With this in mind, today I’d like to focus on NY auto insurance.  This is a four part series:

Part I: NY Auto Insurance Liability

Part II: NY Auto Insurance No Fault

Part III: NY  Auto Insurance Un-Insured Motorist

Part IV: NY Auto Insurance Full Coverage

Part V: NY Auto Insurance Deductibles

NY Auto Insurance Full Coverage

Did you know that Full Coverage auto insurance in New York is not actually a real term?

There is no such thing as New York auto insurance full coverage…

“Full Coverage” is insurance lingo.

When most people refer to Full Coverage what they are actually referring to is Physical Damage coverage, specifically Comprehensive and Collision coverage.

Comprehensive physical damage auto insurance provides reimbursement for damage done to your car at actual cash value (minus the deductible) from losses such as:

  • Falling object
  • Car starts on fire
  • Vandalism
  • Lightning
  • Hit an animal
  • and others…

Collision physical damage auto insurance provides reimbursement for damage done to your car at actual cash value (minus the deductible) from a collision loss where you are the at-fault driver or there is no fault.

Full Coverage is auto insurance slang.

It’s important to understand that when you refer to NY auto insurance Full Coverage it is possible that you may not get what you want because the term full coverage is not a technical auto insurance term.

However, Comp and Collision coverage are very important to properly setting up an New York auto insurance policy…

…so give us a call at (518) 456-6688 or Click Here to email us and make sure you have the proper auto insurance coverage at the most competitive rates in New York.

Thank you,

Ryan Hanley

Image courtesy of Salvatore Vuono / FreeDigitalPhotos.net

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