Port Jervis, NY is one of the most beautiful areas in a state known for its fantastic scenery. Because of its location as a regional center for major roadways, many people choose to drive. Car insurance is a requirement in New York, although it works differently than in most other states. At Worthington Carroll Agency, we want to make sure you understand your responsibilities and help you ensure that you have the protection you need.
If I only carry the amount of auto insurance required by law, will I have protection if I am at fault in an accident?
New York Is a No-Fault State
In most states, the focus is on who caused an accident. As a no-fault state, New York puts the focus on the injured party. The advantage of a no-fault system is that the insurance can pay out promptly without waiting for people to argue about who caused a crash.
Everyone who drives in New York is required to carry Personal Injury Protection (PIP) to cover medical expenses; liability coverage to cover any harm you directly cause while driving; and uninsured motorist protection to protect you and your loved ones in case of a hit-and-run or if you are the victim of an uninsured drive. Anyone carrying the minimum legal coverage is protected when at fault in an accident.
How Much Coverage Is Enough?
If there is a lot of damage, your insurance might not cover everything. Anything over your policy limits is your responsibility. You can add protection by either getting a policy with higher limits or getting an umbrella policy.
Consult With Us
There are a lot of reasons to drive in Port Jervis, NY, but you want to feel safe in case something happens. If you have any questions about your coverage, please call Worthington Carroll Agency today.
