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Comprehensive
Comprehensive coverage is optional in New York. However, it must be included on policies
that carry collision coverage, and it can’t be purchased without bodily injury coverage.
| This coverage provides protection for: |
- Damage not resulting from a collision. (e.g., damage from falling objects, fire, certain natural disasters, and vandalism)
- Theft
- Glass damage
- Damage from hitting an animal
- Vehicles covered by the New York auto insurance policy
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Who might benefit from buying comprehensive coverage?
If your car is financed or leased, the finance company will probably
require that you carry this coverage. If you have a newer vehicle or one
in excellent condition, you may need this coverage to replace or repair
the vehicle in case of loss. If you have an older car or one in poor
condition, you may not want to pay for this coverage.
Collision
Collision coverage is optional in New York, and can’t be purchased without
comprehensive coverage.
| How much protection does this coverage provide? |
- Repair or replacement cost of the vehicle that has collided with other
cars/objects or has rolled over
- Vehicles covered by the New York auto insurance policy
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Who might benefit from buying collision coverage?
If your car is financed or leased, the finance company will probably require
that you carry this coverage. If you have a newer vehicle or one in excellent
condition, you may need this coverage to replace or repair the vehicle in case
of loss. If you have an older car or one in poor condition, you may not want
to pay for this coverage.
Emergency Road Service
Emergency Road Service coverage is optional in New York. This coverage, sometimes
called Towing coverage, pays for the cost of towing your car if it becomes disabled.
Emergency Road Service coverage cannot be purchased without collision coverage.
How much protection does this coverage provide?
The coverage limits you see in your quote refer to the maximum amounts that will be paid per incident, per term, respectively.
Rental Car Limits
Rental car coverage is optional in New York. Rental car coverage can’t be purchased
without collision and comprehensive coverage.
What’s covered?
This coverage pays for the cost of a rental car if you can’t drive the insured vehicle
due to theft or damage from an accident.
How much protection does this coverage provide?
The dual coverage limits you see in your quote refer to the maximum amount that will be
paid per day, per accident, respectively.
Customized Equipment
Customized equipment coverage is optional in New York. If you buy this coverage, you must
also buy comprehensive and collision coverage.
What’s covered?
Customized equipment coverage is appropriate if your vehicle has permanently installed
custom parts or equipment other than those installed by the original manufacturer.
| Examples of customized equipment include: |
- Any dealer-installed equipment that is not offered by the original manufacturer
- Special equipment on vehicles, vans, and trucks, including: running boards, brush bars, roll bars, undercarriage lighting, fog lights, bed liners, camper shells, trailer hitches, etc.
- Customized wheels, spoilers, suspensions or performance-related equipment
- Stereo, sound recording, and television equipment
- Customized paint or decals
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How much protection does this coverage provide?
Within the limits you select in your quote, this coverage reimburses you for the lowest
amount of the following: the actual cash value, the declared value, or the actual cost to
repair.
Who might benefit from buying customized equipment coverage?
Your New York auto insurance policy covers only the original equipment included by the manufacturer.
Should your vehicle have additional equipment, accessories, enhancements, and changes that alter
the appearance or performance of the vehicle, it’s advisable that you buy additional coverage to protect these items.
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