Information on Auto Insurance West New York NJ

Although it’s not always that fun to talk about car insurance, it can save you a lot of money and protect you against devastating money losses and lawsuits should you get into an accident.  Anything that can save you money can’t be bad, so read on.

The basics

There are six components to auto insurance policies.

1. Bodily injury liability:  When you’re at the wheel and suddenly get into an accident and someone is injured , bodily injury liability is the type of insurance that pays.  If the accident is your fault, or the fault of a family member or anyone else driving your car with your permission, this insurance covers you.  Bodily injury liability is required in every state, however required minimums may not be enough to cover all expenses—you may want to consider increasing your coverage, depending on your financial situation.

 2. Property damage liability: This kind of insurance is similar to bodily injury liability—it pays if you or anyone driving your car with your permission damages someone else’s property.

3. Medical payments:  Just as you may have guessed, medical payments

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