Best Local Car Insurance Agencies in Huntington

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What information should you provide when asking for a car insurance quote in Huntington?

  When asking for a car insurance quote in Huntington, you must provide your name, marital status, address, driver's license, and social security number. You must give details about your vehicle, including its make and model year, safety features, weekly mileage, and VIN number. Also, you have to provide the name(s) of the individual(s) who will drive your car, including their driver safety courses and ages.

• If a thief driving a stolen car accidentally hits your car in Huntington, who will pay for the damage?

  In Huntington, if a thief driving a stolen car accidentally hits your car, you can use your car insurance to pay for the damage because it is most likely that the thief does not have their own car insurance. The company that insures the stolen car will not compensate you. If you have uninsured motorist coverage, you will be protected from out-of-pocket expenses.

• Can you add car rental reimbursement coverage to your car insurance in Huntington?

  Yes, you can add car rental reimbursement coverage to your car insurance. You can use this if your vehicle is being fixed in the repair shop due to an accident. This type of coverage pays for your transportation when going to school, work, or other daily activities. However, car rental reimbursement coverage does not cover vehicles that are not under collision or comprehensive insurance.

• Why is it important for drivers in Huntington to have emergency road service coverage?

  Drivers in Huntington need to have emergency road service coverage because it can save them if their vehicles break down. This will protect them from out-of-pocket expenses, including mechanical labor, towing fees, gas and battery delivery locksmith labor costs. However, this coverage does not include labor costs beyond the first hour.

• What is the minimum car insurance coverage requirement in Huntington?

  Drivers in Huntington are required to have New York's minimum liability coverage, including personal injury protection and uninsured motorist coverage. They must have $10,000 per accident of property damage liability coverage, $25,000 per person / $50,000 per accident of bodily injury liability and uninsured motorist coverage, and $50,000 of personal injury protection.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.