Auto Insurance

volkswagen_passat_wagon_komfort_2009Car Insurance in the Albany New York area can be complicated. What would happen if, while driving your car, you caused an accident that resulted in extensive property damage and serious injuries to yourself and others? Are you certain that your auto insurance coverage would pay for medical expenses, repair bills, lawsuits and court costs? Having the right coverage and limits can eliminate or substantially reduce the risk of losing your life savings. You owe it to yourself and your loved ones to select the best auto insurance coverages for you.

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518Insurance.com helps our clients individually to help make sure that our clients auto insurance policies have Bodily Injury and Property Damage Liability coverage limits that will fully protect them. Although there are mandatory minimums of coverage required in New York, we can help you decide when the legal minimums will suffice, and when it would benefit you to increase your liability coverage. We will help make sure that you have a policy in place that will ensure that your assets are safe even if claims or lawsuits are brought against you.

In addition to the standard liability coverage that is the foundation of any auto insurance policy, 518Insurance.com will explain the various optional auto insurance that is available. Medical Payments and Excess Medical Payments coverage will pay for medical expenses regardless of fault, for you and the occupants of your covered vehicle who are injured in an automobile accident. Comprehensive Coverage applies if your car is damaged by fire, theft, vandalism, glass breakage, windstorm or even contact with an animal. Collision Coverage provides the payment to fix your car, or pay the actual cash value if the car is deemed to be a total loss. Rental Reimbursement Coverage will reimburse you, up to the policy limit, for rental car expenses incurred when the covered vehicle is not driveable or is in the shop for repairs. We will take the time to make sure your questions are answered and advise you with coverages needed.

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