Penny Hart

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Published on March 10, 2014

Author: pennyhart7509

Source: slideshare.net

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Your insurance company is more than just the rate that they give you. You want to make sure they the company you ultimately choose has a good customer service reputation, but more importantly, you need to make sure that they’re solvent enough to cover your claim when you need them. Check your potential insurer’s credit rating on ambest.com to make sure that they’re financially stable.

Figures courtesy of TSC Direct, New York Car Insurance experts.

An Insiders Guide to New York Car Insurance Understanding the state minimums for liability coverage: Penny Hart CEO TSC Direct New York state liability minimum, in insurance speak, is 25/50/10. The first two numbers concern what your insurer will pay in the event of bodily injury resulting from a crash in which you were involved. If you have the minimum liability coverage, your insurer will pay a maximum of $25,000 per injured person, and up to $50,000 per accident to cover all related injuries. If the cost of bodily injuries from the accident exceeds $50,000 each claim will be paid out in the order that they are received until the $50,000 limit is reached. If you were at fault, you could be sued for any bodily injury costs that were not covered by your insurance. The final number of the liability minimum is the total coverage for property damage, in this case, $10,000. Source: InsuranceBuyerBlog.com

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