Collision Coverage Insurance Buffalo New York NY

Reader’s Question:

I lost control in the snow and hit the tree. The vehicle was totaled. I only have the minimum liability coverage in Buffalo, New York and I would like to know if my auto insurance will cover anything for the accident? I do not have the full coverage since I am paid off with the car.

George

Buffalo, NY

If you only have minimum liability required car insurance in Buffalo, New York then I do not think, this would cover damages to your own car.

If you were injured in the accident when your car collided with the tree you will be able to make a car insurance claim against your personal injury protection coverages. However, you do not have coverage for your car without having the extra physical damage coverages of comprehensive and collision.

In your case where you lost control of the car in the snow and hit the tree you need collision coverage in order to make a car insurance claim for the damages to your vehicle. This is the reason why it is essential to keep physical damage on your vehicle, this means state required liability coverages plus comprehensive and collision, even if you have paid off your financial company or paid for your vehicle in full when you bought it. Without collision and comprehensive if you are in an accident where you are at fault you will have to pay for fixing the car out of your own pocket or be out of a vehicle if the automobile is a total loss and cannot be fixed.

 

Tags: auto insurance claims, car insurance, collision insurance coverage, comprehensive insurance coverage