Comprehensive Auto Coverage in Riverhead, NY and throughout Long Island, NY
If you drive a vehicle in the state of New York, you are required by law to have auto insurance. Liability auto insurance pays for property damage and/or injuries to another person caused by an accident in which you're at fault, and it is required by law. Comprehensive insurance is another type of coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision, and it’s usually not required. But if you don’t already have this type of coverage included in your auto insurance policy, you should consider adding it to give yourself an extra layer of protection.
What Is Comprehensive Coverage?
Comprehensive coverage protects your vehicle in the event of damage from incidents other than a collision. Comprehensive coverage may help pay costly repairs and replacement costs as a result of:
Damage to your windshield or any vehicle glass
Natural disasters such as earthquakes, hurricanes or tornadoes
Riots and vandalism
Severe weather such as flooding, hail or lightning
Hitting an animal
Typically, comprehensive coverage doesn’t include:
Although comprehensive coverage is optional in most states, you may be required to carry it if you lease or finance your vehicle. Be sure to discuss your insurance needs with a Lupton & Luce Inc. agent to ensure that you have the coverage you need.
What Is the Difference Between Collision and Comprehensive Coverage?
Collision coverage pays for damage to your vehicle resulting from impact with an object, such as a mailbox, guardrail or telephone pole. This coverage also usually covers damage caused by potholes.
Both collision and comprehensive auto insurance protect your car, but they offer different protections. While collision insurance helps cover car accidents, comprehensive insurance provides more physical protection, paying for unforeseen damages, such as those detailed above, like striking an animal or a falling tree landing on your vehicle.
How Much Comprehensive Coverage Do I Need?
The agents at Lupton & Luce Inc. can help determine how much comprehensive coverage you may need. Your insurance rates may be affected by your driving history and the type and age of your vehicle.
How Can I Learn More?
To learn more about comprehensive coverage, contact the team of experts at Lupton & Luce Inc. today. Since 1939, we’ve been insuring our customers’ personal and business assets in the Long Island area. We provide all the coverage required by state law, ensuring you have the protection you need.