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No Fault Insurance

Competition for customers in the auto insurance industry can make for great deals in New York, even when it comes to no fault insurance. Research is not only important when buying a car, but when insuring that car as well. This is a good way to avoid paying for unnecessary options in a car insurance policy.

In addition to no fault, there are few more definitions that may be helpful for anyone looking into a new car insurance policy.

Liability:
This protects the policy holder when he or she is the cause of the accident, should it cause injury or property damage to another party. The liability laws differ between states, so some research into the exact rules behind this may also be necessary.

Injuries or property damage to the policy holder or the policy holder's property are not covered by this type of insurance.

Property Damage:
This covers any property damage that is caused by the policy holder, up to the limit of the insurance policy. The limit is generally about $100,000, but this can be raised for an additional cost.

Comprehensive:
Damages can be caused by something other than collision, and this is where comprehensive insurance comes in. Fire, flood, storm damage, vandalism, and theft are all covered by this option. It requires a deductible, which will reduce the premiums if it is raised.

Comprehensive insurance is required for those who are still financing their vehicle.

Collision:
If the policy holder's car should be damaged, and it is his or her fault, collision coverage will pay for it. A car that is totaled will have the full value paid out, but sometimes this is not enough to pay for the financing, if the car is still being paid for. Ask an insurance agent about GAP coverage to avoid this occurrence.

Like comprehensive coverage, this is also a requirement for those still making car payments.

Uninsured/Underinsured Motorist:
Sometimes a driver will cause an accident and not have the insurance to cover it. A policy holder with this option will cover whatever the uninsured or underinsured driver cannot pay.

Anyone looking for insurance for whatever reason should do their homework and research what's out there. Hopefully, these basic terms and concepts have eased the way.

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