The key difference between UMPD and collision coverage is that UMPD only covers damage to your vehicle caused by a driver with little or no insurance. By contrast, collision coverage applies to any damage to your vehicle caused by a collision with another vehicle or object, regardless of fault. Personal injury protection, or PIP, covers your medical expenses, as well as lost wages and death benefits, and you can pay for it even if you are at fault. Uninsured motorist coverage covers your medical expenses and those of your passengers if you are hit by an uninsured driver if the accident occurs in New York State.
The SUM provides additional coverage and applies to accidents that occur inside and outside New York State. Because of their relative inexperience behind the wheel, teens tend to pay the highest rates for car insurance to offset the risk. In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, but if taken out, the state requires that both coverage for uninsured and underinsured drivers be included in all policies. If you don't maintain liability insurance coverage for your car at all times, it can result in the suspension of your vehicle's license plate and driver's license, as well as other significant monetary penalties.
According to the Insurance Information Institute, nearly 13% of drivers across the country don't have car insurance. You can file a claim against your car collision coverage when your car is hit by an uninsured driver or in other situations that involve a collision, such as a single car accident. Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for. Progressive customizes coverages and discounts so New Yorkers can drive with reliable and affordable car insurance.
If you have comprehensive car insurance coverage, but not collision coverage, it's worth considering the UMPD to at least be covered for vehicle damage caused by uninsured drivers. Learn more about car insurance in the Empire State and then get a New York car insurance quote from Progressive. Car insurance providers tend to view married drivers as lower-risk individuals, and this is reflected in their rates. While your auto liability insurance policy covers all passengers in your vehicle injured in an accident caused by the driver's negligence, it most likely won't offer any liability coverage when the injured passenger is your spouse, unless you take out supplementary spousal liability insurance.
Progressive Roadside Assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. Keep in mind the importance of maintaining the required motor vehicle insurance coverage on an ongoing basis while you own a car. If you have a teenage driver, adding it to your car insurance will still increase your premium, but it's probably cheaper than having separate policies. These procedures could result in you receiving a letter from the DMV asking you about your insurance status, even if your vehicle is currently insured.
If you are injured in a car accident or your car is damaged due to someone else's negligence, you may be able to file a claim against that other person's car insurance policy for liability for bodily injury and property damage...