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Full-coverage auto insurance includes collision, comprehensive, and liability coverage. The State of New York requires only liability coverage, which pays for damages and injuries to others due to an accident for which you are at fault. Collision and comprehensive coverage pay for damage to your vehicle but differ in the events they cover. Contact the Bajorek Agency Inc. team serving Rochester, NY to ensure you have the necessary auto insurance coverage.
Collision versus Comprehensive Insurance
Collision and comprehensive coverage pay for damage to your vehicle. As the name suggests, collision coverage pays for damage to your car when your vehicle is involved in an accident, and you are at fault. Comprehensive coverage handles damage to your vehicle that is not collision-related. Theft or vandalism, storm damage, hitting a deer or other animal, and fires are among the situations covered by comprehensive insurance.
Legally, you are not required to buy collision or comprehensive insurance. It is your choice. However, if you lease or do not own the vehicle outright, your lender generally requires you to have both coverages. Once you own the vehicle outright, the decision whether to pay for collision and comprehensive insurance typically is based on your ability to pay for repairs or a new car out of pocket. One rule of thumb is to drop collision and comprehensive insurance when the vehicle is ten years old, but that rule depends on whether you have the money to repair or replace the car.
Working With Bajorek Agency Inc.
If you live in or near Rochester, NY, the team at Bajorek Agency Inc. is ready to address all your auto and other insurance needs. So, stop in or call (585) 248-3810 to ensure you are adequately covered while driving in New York.