Auto Insurance

Auto Insurance




Affordable auto insurance in New York, NY including liability, personal injury, uninsured motorist, collision, comprehensive, motor club discount. Protect your car.

 

Protection for You and Your Family
Each of these coverages has a limit of liability (maximum amount we will pay for a claim). We will pay for claims in the coverage areas you select, subject to the terms of the policy.

Liability Coverage

Body Injury Liability Protection -
Provides coverage if you or a covered driver is legally liable in an auto accident in which others are injured or killed.

Property Damage Liability Protection -
Provides coverage if you or a covered driver is legally liable for damages to another's property resulting from an auto accident.

Personal Injury Protection Coverage
Provides coverage for injury, death, loss of services, and loss of income suffered by you, your covered passengers, or covered family members.

Medical Payments Coverage
Provides coverage for doctor, hospital, and surgical expenses incurred by you, covered family members, or your covered passengers riding in your covered auto.

Supplemental Uninsured Motorists Coverage
Provides coverage if you , covered family members, or you covered passengers are injured or killed in an accident involving a legally liable uninsured driver.

Underinsured Motorists Coverage is subject to state availability an provides coverage if you, covered family members, or your covered passengers are injured or killed in an accident involving a legally liable underinsured driver.

Protection for Your Auto
These coverages specify both a limit of liability and a deductible (amount you pay before coverage applies). We will pay for claims in the coverage areas you select, subject to the terms, conditions and exclusions of the policy.

Collision Coverage
Provides coverage for repairs to your insured vehicle up to the actual cash value, minus your policy deductible, if your auto is damaged in an accident.

Comprehensive Coverage
Provides coverage for damage to your insured vehicle caused by falling objects, fire, theft, vandalism, and many other non-collision losses. A deductible may apply to this coverage.

Customize Your Auto Policy with Additional Coverages
Additional coverages can provide you with extra protection. Be sure to ask your Doscher Farrell agent about additional coverages to help meet your unique needs. Some of the additional coverages we offer include:

Rental Reimbursement
Towing and Labor
Sound System
Tape Coverage
Camper-Trailer

Complete your protection with a Motor Club Membership
One low yearly fee can provide you with towing and emergency road service, plus a host of other convenient benefits - just ask your D & F agent.

 

You May Be Able to Save Money with Our Discounts and Special Rates

You can save even more on your premium of you qualify for any of our cost-cutting discounts or special rates. Some of the discounts and special rates available are:

Safe Driver - offered to experienced drivers with excellent driving records who insure their primary residence with us.
Multi-Line - offered if you insure your primary residence including, co-op, condominium, apartment or mobile home furnishings with us.
Four Wheel Anti-Lock Brake Systems and Passive Restraint (Air Bags or Automatic Motorized Seat Belts) - offered if your car is factory equipped with any of these safety features.
Good Driver Plan 0 available if you and your family members have good driving records.
New Car - available for most newly purchased vehicles.
Economy Car - available if you drive certain compact cars.
55 and Retired - offered if you are at least 55 years of age and retired.
Utility Auto - available for most pick-up trucks.


Insurance coverage, rates and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.