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3462 Monroe Ave
Pittsford, NY 14534

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What are the Typical Components of Auto Insurance Policies?

Keep in mind that not every state treats car insurance the same, with some having stricter mandates. In New York, drivers are legally required to carry active auto insurance with minimum liability coverage for property damage and bodily injury. 

Bodily Injury Liability

Bodily injury liability, along with any other type of liability coverage, is imperative because it protects you and anyone else listed on your insurance policy from potential monetary loss due to being sued because of an accident. It is essential to have enough liability to cover the sum of your assets so that in the event you are sued for a substantial sum of money, your net worth and assets are protected.

Medical Payments

It helps pay for the treatment of injuries to yourself and any occupants of your vehicle if an accident occurs. It can cover lost wages from not working, medical payments, and funeral costs if necessary. 

Property Damage Liability

Pays for damage that you or an unauthorized driver cause to another person’s property, such as hitting another vehicle or a fence or other piece of property.


Pays for damage to your vehicle – minus your deductible – caused by a collision with another vehicle or object such as a tree or telephone pole. 


Pays for damage to your vehicle – minus your deductible – due to theft or damage caused by something other than an accident like hitting a deer or storm damage. 

Uninsured/Underinsured Motorist

If you or a member of your family is involved in an accident with a driver that does not have insurance or in a hit and run, then this type of coverage helps reimburse for any damage to your vehicle. 

When it comes time to shop for your next auto insurance policy, give the team at Bajorek Agency Inc. in Rochester, NY a call.

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