Summer is in full swing and it's a great time to make sure all of your insurance policies are up to date and you have the right coverage for your individual needs.  Here are some auto insurance basics to brush up on.

  • What is auto insurance?

    Auto insurance is meant to protect you if you cause injuries to others or damage their property in

    an auto accident. It can also provide protection if your car is damaged in an accident or is stolen.

    The coverage is provided in your policy you purchase.

    What is automobile coverage?

    Liability insurance covers injury’s to the other person and damages to the other car – this is the

    least amount of coverage you must carry. Also covers damage to other car or cars, coverage

    for medical expenses and uninsured motorist coverages (for situations where someone without

    enough insurance injures you or a family member). There are a variety of coverage options

    available; they may vary by state and by company

    More coverage is available upon request.

    What are the most common types of auto insurance coverages? (All coverages are subject to the

    limits, terms and conditions of the actual policy you purchase.)

    Bodily injury liability coverage generally pays damages for bodily injuries to the driver and

    passengers of the other vehicle when you are responsible for an accident. It also provides

    coverage to defend you if you are sued because of an auto accident.

    Property damage liability coverage generally pays for damages to another person's property (e.g.

    their car) when you are responsible for an accident. It also provides coverage to defend you if

    you are sued because of an auto accident.

    Medical payments coverage generally covers you, household relatives and your passengers for

    medical expenses that result from injuries sustained in an auto accident. It also covers you as a

    pedestrian if you are hit by a vehicle.

    Some states have personal injury protection (PIP) in place of, or in addition to, medical

    payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical

    expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily

    injury sustained as the result of a car accident.

    Uninsured or underinsured motorist bodily injury coverage generally pays for damages for

    bodily injury to you and your passengers when caused by another in an auto accident and the

    person legally responsible either has inadequate or no insurance. This coverage varies greatly

    by state. In some states it may be a combined coverage, while other states may offer it as two

    separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).

    Collision coverage generally pays for damage to your car if it hits another car, object, or

    overturns. A deductible applies to this coverage.

    Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by

    certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to

    this coverage

    What should I consider when purchasing an auto insurance policy?

    Find coverage that fits your needs. Think about you and your family's specific circumstances,

    including your risk tolerance and your budget and the value of your car.

    As an independent agent the Cote Agency has access to over 50 companies and we do all the shopping for you.

    We can get you the best rate and the best coverage for your particular situation. Contact us now for your personally

    tailored insurance review.


Cote Insurance Agency provides home, auto, business, life and many other types of insurance throughout New York State including Glens Falls, Queensbury, South Glens Falls, Corinth, Greenfield Center, Wilton, Gansevoort, Saratoga Springs, Ballston Spa, Clifton Park, Schenectady, Scotia and Rotterdam. We also cover the counties of Albany, Schenectady, Saratoga, Warren, Washington and Rensselaer.


Cote Insurance Logo
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram