Complete Auto Insurance in South Ozone Park, NYmatter of insuring your vehicle

Finding the right insurance coverage for your vehicle can be quite difficult. Thankfully at UG Insurance Brokerage, Inc., we are here to help. Our staff of experts will assist you in finding the right auto insurance in South Ozone Park, NY, so that your car is protected. Additionally, with the right insurance coverage, you will have a safety net, which will help offset the costs of an accident to you and your family.

Under most state laws, the minimum automobile coverage you require is liability insurance. This will cover damages and injuries to other vehicles and individuals in the event of an accident but does not cover the cost to repair your own car. For that, you need a more in-depth plan, such as collision coverage or comprehensive coverage. These extra layers of protection provide even more peace of mind for the safety of your family. Contact us to learn more about the different levels of coverage offered and to have our team provide you with an estimate on your insurance rates.

Understanding the Different Levels of Coverage

With the many levels of auto insurance available, choosing the right options for your vehicle can be tricky. Thankfully with the help of our team, making that choice is easier than ever. Some of the different levels of insurance available include:

Liability Coverage

This helps protect your assets if you cause injury to others or damage to property with your vehicle.

Collision Coverage

This covers the cost of repair for your own vehicle when it is caused by a collision or other accident. You are covered no matter who is at fault of the crash.

Comprehensive Automobile Coverage

This protects your car from damages caused by something other than a collision, such as theft or vandalism. This also covers the cost of damages to your vehicle in the event of a disaster such as a flood or fire.

Medical Payment Insurance

This helps to cover the medical expenses for you and your passengers in the event of a car accident. Similarly to collision coverage, medical insurance covers you no matter who was at fault. This will also protect you and your family if you are pedestrians struck by another vehicle.

Personal Injury Protection

This is a form of no-fault auto insurance that is required in states with no-fault insurance laws. It is a broader form of the medical payment insurance and pays for medical care, lost wages, and replacement services for the injured party. The coverage takes effect no matter who was at fault for the accident.

Uninsured and Underinsured Coverage

These special forms of coverage protect you by helping cover the costs of being struck by a driver with no auto insurance or insufficient insurance.