Auto Insurance


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An automobile policy is a contract between the insured and the insurer. The insured will pay a premium and the insurer will cover the cost of a loss as defined in the automobile policy.

Automobile insurance provides financial coverage in the event of an accident, vandalism, theft or collision involving a motor vehicle. It protects you, your passengers, pedestrians, other drivers, your vehicle and other people’s property. It can also help protect you in the event of an automobile-related lawsuit.

Automobile policies typically provide liability, medical and property coverage. Liability coverage pays for bodily injuries, death or property damage sustained by others. Medical coverage pays for the cost of treating injuries, rehabilitation, replacing services and in some cases lost wages and funeral expenses. Property damage coverage covers damage the policyholder caused to someone else’s property. This will be covered up to the limit of liability you select.

We are licensed in New York, New Jersey, Connecticut, Pennsylvania, Maine, Maryland, New Hampshire, North Carolina, South Carolina, Virginia and Texas.

A basic automobile policy is likely to provide the following coverage:

BODILY INJURY LIABILITYCovers injuries or death the insured caused to someone else by an act of negligence. In New York State a person must breach the New York State Serious Injury Threshold in order to file a bodily injury claim. Any claim or suit asking for damages which are payable under the terms of the policy may be settled or defended by an insurance carrier. In addition to the limit of liability, the insurer will pay all defense costs that they incur on your behalf.MEDICAL PAYMENTS OR PERSONAL INJURY PROTECTION (PIP)

Generally the New York peoples opt for a higher amount of Insurance coverage in respect to the state minimum in order to protect you in an unwanted situation like an accident. So according to department the PIP (Personal Injury protection) Coverage will be, according to medical expenses ————–

  • Medical expenses from injuries suffered in an auto accident.
  • Lost wages due to missed time at work.
  • Household replacement services when paying someone to help you with tasks you could have done on your own before you were injured

COLLISIONCovers damage to the policyholder’s vehicle due to a collision. The collision can be with another motor vehicle, a fixed object or a vehicle rollover.PROPERTY DAMAGE LIABILITYCovers damage the policyholder caused to someone else’s propertyCOMPREHENSIVECovers all damage to the policyholder’s vehicle that doesn’t involve a collision with another vehicle or fixed object, such as, fire, theft, falling objects, explosion, earthquake, flood, riot or a hitting of an animal.UNINSURED MOTORIST COVERAGEProvides coverage for injuries sustained as a result of a collision with a negligent uninsured driver.UNDERINSURED MOTORIST COVERAGEProvides coverage for your injuries when a negligent driver has an auto liability policy but the limits of liability are inadequate and can not pay for all of the damages.TOWING & RENTAL REIMBURSEMENTCovers the cost of a rental car while your vehicle is being repaired due to an accident. Daily allowances or limits vary by state or policy provision. The towing covers the cost towing your vehicle due to a breakdown or if you are not able to drive your vehicle due to an accident.OTHER AUTO INSURANCE FEATURES

Depending on the carrier you choose, some of the additional features that can be added to your policy are roadside assistance, accident forgiveness, vanishing deductible, deductible waver and new car who

does my automobile policy provides coverage for?
An automobile policy usually provides coverage for named insured and their spouse. Relatives in the household and anyone with a valid drivers license that the insured has given permission to drive the vehicle will also be covered.
How much automobile insurance coverage should I have?
Most states require you own an automobile policy if you are going to drive your vehicle. Each state requires their own types of coverage with different minimum liability limits. The minimum liability coverage in New York State is $25,000 per person $50,000 per occurrence and $10,000 for property damage.
It is difficult to predict how much liability coverage you may need if you were involved in an automobile accident?
The higher your liability coverage limits are then the more likely your insurance policy will be able to afford coverage for all of the damages sustained in a loss.
How do I determine my collision and comprehensive deductibles?
The higher your deductibles are, the lower your premium will be. Keep in mind you will be responsible to pay the amount of the deductible. So ask yourself how much you would be willing to pay out of pocket on short notice if a loss occurs.
Do I have to carry collision and comprehensive coverage of my vehicle?
If your vehicle is leased or financed you may be required to carry collision or comprehensive coverage by the lienholder. Once you own the vehicle, you may consider dropping these coverages to save money on premiums. However, you must consider whether the savings in premium would be enough to offset the risk of having to pay the entire cost of repairing or replacing your vehicle.

Grillo & Associates has a reputation for providing excellent service. Contact our office and let our team of specialists assist you in determining what policy will be best suited for your business.