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Car Insurance, What to Know Before You Have an Accident

collision repair in Ithaca

Automobile insurance is a necessity but can seem so confusing! New York is one of 12 states that are considered No-Fault states. If you are injured in a crash in New York, the No-Fault coverage you receive comes from the vehicle you drove, rode in, were hit by, or came into contact with. No-Fault is separate and distinct claim from a bodily injury claim.

No-fault insurance is a type of car insurance coverage that helps pay for your and your passengers’ medical bills if you’re injured in a car accident, regardless of who caused the accident. This coverage is also known as personal injury protection, or PIP insurance.

New York State Automobile Insurance Requirements

New York State law requires that motorists carry a minimum amount of liability insurance of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident. Mandatory “no-fault” coverage of $50,000 is also required.

Ithaca body shopThe penalties for driving without auto insurance in New York could include fines up to $1,500, an additional fee of $750 to restore your license if it is revoked, the impoundment of your vehicle, jail time, and the suspension of your driving privileges.

Now that we have that out of the way, let’s look at what other insurance is necessary to protect you and your property should an accident result in Auto Body repair in Ithaca. The mandatory coverage required by the state is geared toward remediating injured parties for medical bills sustained in an accident. Property damage (damage caused to others resulting from your negligent actions) is part of the mandatory coverage.

Protecting Your Vehicle in NY

Central NY collision repair can be costly for many people. Carrying Collision and Comprehensive coverage can decrease the amount of out-of-pocket expenses should damage occur. You are not required to carry this coverage unless your vehicle is financed and the title is held by a financing company or bank until paid off. The bank requires full coverage (including collision and comprehensive) as a means to protect “their” investment in giving you the loan.

If your vehicle is paid off and no lien holder has any rights, you are free to choose whether to carry the coverage. Although a matter of personal choice, not carrying vehicle coverage for accidents can put you in a bad position of having to pay for all repairs before you can drive your vehicle again. Trading a badly crumpled car or truck will not work in your favor as far as a trade-in value is concerned.

What Exactly Is Collision and Comprehensive Coverage?

Wink’s Body Shop works with many local insurance companies and can attest to the value of having sufficient automobile insurance coverage. Collision repair in Tompkins County and Central NY is expensive due to the newer model cars requiring specific parts and materials. We encourage our customers to carry damage insurance to protect their vehicle investment and not be left with a huge bill.

Collision Insurance is an optional coverage that will pay for the cost of repairs up to a total loss. Including it on your policy requires the purchase of comprehensive coverage.

*Avoid paying out-of-pocket for repairs above the cost of your deductible.
*Coverage for your loss when your damaged vehicle is deemed to be totaled.
*Obtaining repairs at your Ithaca body shop immediately rather than waiting for the other carrier to approve repairs.

Central NY collision repairWhen your vehicle is damaged as the result of an incident other than a collision, comprehensive insurance is an optional coverage that will pay the cost, minus your deductible, of repairing or replacing it. For example, you’re covered if your vehicle sustains damage from a storm, a flood, a fire, vandalism, or theft. Comprehensive coverage goes into effect should you encounter a wild animal such as a deer, a rock falls and breaks your windshield, or other damages as indicated above.

Be Prepared and Drive Safe

Wink’s Body Shop welcomes you to our facility regardless whether you carry collision coverage or not and will work with you to make sure the repairs are necessary and are safe. Collision repair in Ithaca at our state-of-the-art facility will get you back on the road quickly, safely and with our personal guarantee for the quality of the work done.

If you have questions about repairs to your car, please stop by for a free estimate. Should you have questions about your insurance coverage, contact your local agent or insurance company for clarification.

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