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Home > Auto Liability Insurance | Riverhead NY & Suffolk County NY | Lupton & Luce Inc.

Auto Liability Insurance in Riverhead NY & Suffolk County NY


Auto Liability Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick and affordable rates.

Auto Quote Form
Auto Quote Form FB

Auto Liability Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy

Auto Liability Insurance Information


The United States has more than 200 million licensed drivers, so accidents are inevitable. The word liability means responsibility, and liability coverage is the part of your auto insurance policy that helps pay for expenses when you cause an accident.  

What Is Auto Liability Insurance? 
There are two types of liability insurance—bodily injury liability coverage and property damage liability coverage.  

Bodily injury liability coverage can help pay if you hurt other people in an accident that’s your fault. Bodily injury liability coverage typically can cover medical expenses, recovery treatments and lost wages if someone can’t work while they’re recovering. It may also cover funeral costs after a fatal accident. 

Property damage liability coverage can pay for the damage you cause to vehicles or other property when you’re at fault for an accident. This coverage may also include the items in a vehicle, covering the replacement cost. 

Your liability car insurance may also cover lawyers’ bills or court fees if you’re sued after an accident. Liability coverage typically pays up to the maximum amounts specified in your policy or limits. If accident damage exceeds those limits, you are generally responsible for the remaining amount. Lupton & Luce Insurance can help you review your current coverage to ensure you have sufficient insurance. 

What Does Auto Liability Insurance Cover? 
Auto liability insurance is vital to your financial protection. However, it won’t pay for your medical bills or vehicle repairs. This coverage only pays others for damage you cause in an accident. You may need other insurance, such as health insurance for your medical expenses and collision insurance for vehicle repairs. We can help determine what additional coverage you may want to add. 

Do You Need Auto Liability Insurance? 
Each state has unique requirements, but most require drivers to carry minimum levels of auto liability coverage, and some states may require additional types of coverage. You’re required to have only the amount of liability insurance mandated by your state. Still, you can choose a higher limit for financial protection if you cause an accident since medical bills and car repairs can be costly.  

Is Liability Coverage Expensive? 
Your liability insurance cost depends on many things, including how much coverage you choose. You can customize your policy to fit your needs. We can help provide you with a recommendation based on your requirements. 

How We Can Help 
Since 1939, Lupton & Luce Insurance has protected our customers’ personal and business assets in the Long Island area. Call us today at 631-727-4114 to get a quote on the coverage of your choice. 

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225 Howell Ave., Riverhead NY 11901
P: 631.727.4114 | F: 631.727.7138 | E: info@luptonandluce.com
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