Sabtu, 31 Oktober 2015
Cheap Auto Insurance Quotes In New York
Cheap Auto Insurance Quotes In New York
About Cheap Auto Insurance Quotes In New York :
The notion of the full coverage vs liability when someone is purchasing an auto automobile insurance policy.
Deductible would be okay that would be delicious part of the policy so either you have the 250 $500,000 deductible and any damages after that would be covered by the policy the insurance company would pay for the repair now let's briefly speak about comprehensive coverage comprehensive coverage is anything other than collision.
Stolen are you will pay your deductible again which can range from 250 to $1,000 deductible some companies offer $2,000 deductible and then the insurance company would pay whatever the book value of the vehicle is now what's nice also some of the insurance companies today also a lot of insurance company that we deal with a New York insurance..
This option is usually offered on a vehicle up to 2 years old I be on that the option is not available that one thing that I really want to speak about this again this notion of full coverage vs liability only how do you know what to purchase it so obviously when you get a lot of the only its going to be a lot less money. Property damage medical liability damage anything like that so the question again is what should you purchase what you really need to do you need to figure out what the value of your vehicle is a great way to figure that out is to go ahead and look up the Blue Book value R Kelly Blue Book value car. Now based on what the blue book value of your car is is asking to basically determine whether or not you want to purchase the bare bones are the essential liability policy or if you want to go ahead and you want to purchase.
More than what the annual cost of the insurance cost I'll see if you're probably going to want to take the full coverage policy and also like I mentioned before there are things you can do to order a full coverage policy to get it within the budget constraint that you make in other words you can take higher deductibles which would lower your annual premium.
And fill out the three-step cording form it's very easy and basically what we will do is analyzed the information that you input and put together the most competitive quote possible with the best possible coverage and deliver it to Sogn my name is David Goldstein that with the New York insurance shopper and New Jersey insurance shopper.
Best one for you to buy is stack uninsured motorist insurance and I will explain why in a minute but first let me explain how um insurance works it will pay for your damages if you get in a crash with an asphalt driver who does not have any bodily injury insurance which is called an uninsured motorist or it will pay.
And just so you know in Florida motorists are not required to carry bodily injury insurance about half the cars on the road don't carry it that's why you have insurance is so important if you get in a wreck with someone who does not carry bodily injury insurance and you don't have uninsured motorist insurance you will likely be out of luck because there will not be any insurance to pay for your.
Not on more than one car and you purchased at UM insurance you get to add or stack the UM policies for example let's say you on two cars and have coverage of $100,000 per car and if you're in a wreck then you can stack the two coverages and received up to 200,000. On one car why should I buy stock um insurance since I don't have another car to check the coverage on top of in the answer to this question is the most important reason why you want stacked UM coverage stacked um should also be called follow UM coverage because the coverage follows you.
Where does car and get in a wreck your um follows you and you are protected if you are a passenger in someone else's car you are covered if you are a pedestrian or riding a bike and a car hit you you are still covered since you're stacked UM coverage follows you so stack means it follows you everywhere my friend says stack you?
Open on stock um then you can only recover benefits from your policy if you're in Iraq well in your insured vehicle it does not follow you like stack and the other benefit of stack um insurance as I mentioned earlier is that whatever the UM policy limits are for each of your cars the limits are.
And another important fact you need to know about um insurance weather at stacked or not is that if you are in another vehicle that you own and it does not have um insurance you are not protected even though you have um on all your other vehicles you will not be covered if you're in the one car that does not have UM coverage.
And the answer to this is simple let me explain by using example let's say you're in a car crash and the windshield breaks and you lose vision in both your eyes from the glass hitting you in the face your medical bills will be paid by your health insurance and your disability insurance will pay you two thirds of your lost wages until retirement age.
Can to help you cope with the loss of your vision and the added expenses and frustration of being blind so um covers some of the non economic loss is a loss as you would have suffered?
It's also important to be aware that most auto insurance companies don't like to sell you an insurance but the state of Florida requires them to make you sign a form rejecting it if you don't want to buy it the insurance agents usually don't explain the UN very well and may say to you we will give you full coverage but what they really mean by this is what they're selling you is the minimum insurance required by Florida law let me tell you this.
Family when you ask your insurance agent about purchasing you have insurance you will be told that you can only buy as much um as you carry and bodily injury coverage this is a correct statement another important factor keep in mind is that insurance policies differ so you must read yours to find out exactly what is and is not covered if you have more questions about this information.
Read your policy and three call my office if you still have questions thank you for watching this video I hope you found it helpful and understanding with uninsured motorist insurance is and how.
The notion of the full coverage vs liability when someone is purchasing an auto automobile insurance policy.
Deductible would be okay that would be delicious part of the policy so either you have the 250 $500,000 deductible and any damages after that would be covered by the policy the insurance company would pay for the repair now let's briefly speak about comprehensive coverage comprehensive coverage is anything other than collision.
Stolen are you will pay your deductible again which can range from 250 to $1,000 deductible some companies offer $2,000 deductible and then the insurance company would pay whatever the book value of the vehicle is now what's nice also some of the insurance companies today also a lot of insurance company that we deal with a New York insurance..
This option is usually offered on a vehicle up to 2 years old I be on that the option is not available that one thing that I really want to speak about this again this notion of full coverage vs liability only how do you know what to purchase it so obviously when you get a lot of the only its going to be a lot less money. Property damage medical liability damage anything like that so the question again is what should you purchase what you really need to do you need to figure out what the value of your vehicle is a great way to figure that out is to go ahead and look up the Blue Book value R Kelly Blue Book value car. Now based on what the blue book value of your car is is asking to basically determine whether or not you want to purchase the bare bones are the essential liability policy or if you want to go ahead and you want to purchase.
More than what the annual cost of the insurance cost I'll see if you're probably going to want to take the full coverage policy and also like I mentioned before there are things you can do to order a full coverage policy to get it within the budget constraint that you make in other words you can take higher deductibles which would lower your annual premium.
And fill out the three-step cording form it's very easy and basically what we will do is analyzed the information that you input and put together the most competitive quote possible with the best possible coverage and deliver it to Sogn my name is David Goldstein that with the New York insurance shopper and New Jersey insurance shopper.
Best one for you to buy is stack uninsured motorist insurance and I will explain why in a minute but first let me explain how um insurance works it will pay for your damages if you get in a crash with an asphalt driver who does not have any bodily injury insurance which is called an uninsured motorist or it will pay.
And just so you know in Florida motorists are not required to carry bodily injury insurance about half the cars on the road don't carry it that's why you have insurance is so important if you get in a wreck with someone who does not carry bodily injury insurance and you don't have uninsured motorist insurance you will likely be out of luck because there will not be any insurance to pay for your.
Not on more than one car and you purchased at UM insurance you get to add or stack the UM policies for example let's say you on two cars and have coverage of $100,000 per car and if you're in a wreck then you can stack the two coverages and received up to 200,000. On one car why should I buy stock um insurance since I don't have another car to check the coverage on top of in the answer to this question is the most important reason why you want stacked UM coverage stacked um should also be called follow UM coverage because the coverage follows you.
Where does car and get in a wreck your um follows you and you are protected if you are a passenger in someone else's car you are covered if you are a pedestrian or riding a bike and a car hit you you are still covered since you're stacked UM coverage follows you so stack means it follows you everywhere my friend says stack you?
Open on stock um then you can only recover benefits from your policy if you're in Iraq well in your insured vehicle it does not follow you like stack and the other benefit of stack um insurance as I mentioned earlier is that whatever the UM policy limits are for each of your cars the limits are.
And another important fact you need to know about um insurance weather at stacked or not is that if you are in another vehicle that you own and it does not have um insurance you are not protected even though you have um on all your other vehicles you will not be covered if you're in the one car that does not have UM coverage.
And the answer to this is simple let me explain by using example let's say you're in a car crash and the windshield breaks and you lose vision in both your eyes from the glass hitting you in the face your medical bills will be paid by your health insurance and your disability insurance will pay you two thirds of your lost wages until retirement age.
Can to help you cope with the loss of your vision and the added expenses and frustration of being blind so um covers some of the non economic loss is a loss as you would have suffered?
It's also important to be aware that most auto insurance companies don't like to sell you an insurance but the state of Florida requires them to make you sign a form rejecting it if you don't want to buy it the insurance agents usually don't explain the UN very well and may say to you we will give you full coverage but what they really mean by this is what they're selling you is the minimum insurance required by Florida law let me tell you this.
Family when you ask your insurance agent about purchasing you have insurance you will be told that you can only buy as much um as you carry and bodily injury coverage this is a correct statement another important factor keep in mind is that insurance policies differ so you must read yours to find out exactly what is and is not covered if you have more questions about this information.
Read your policy and three call my office if you still have questions thank you for watching this video I hope you found it helpful and understanding with uninsured motorist insurance is and how.
