 |
 |
 |
|
Property Damage Property Damage Liability is required by NYS law. This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to other cars in the accident, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car may hit. |
|
 |
 |
|
|
|
|
Uninsured Motorist Bodily Injury |
|
|
|
|
|
|
|
Personal Injury Protection Personal Injury Protection (PIP) coverage, commonly known as No-Fault coverage, is required under NYS law. Under this coverage, your insurer pays you and relatives living with you for economic losses arising from injuries sustained in motor vehicle accidents anywhere within the United States, its territories and possessions, or Canada. This coverage includes the following benefits (applicable limits are established by NYS and may be adjusted periodically): Medical Expenses – reasonable and necessary expenses incurred for the care, recovery or rehabilitation of the injured person. Work Loss – wages you would have earned if you had not been hurt (subject to maximum monthly amount and time period). Other Expenses – expenses for services you are no longer able to provide for yourself or your family because you are injured, such as housekeeping or yard work (subject to maximum daily amount and time period). Death Benefits – up to a specific limit per person. It is wise to consider higher limits over the basic requirement for No-Fault protection since it is relatively inexpensive, and it increases your level of protection in a very cost effective manner. |
|
|
|
|
|
|
|
Supplemental Uninsured Motorist (SUM) SUM coverage may be purchased to supplement your basic required Uninsured Motorists Bodily Injury coverage. If you have an accident with another vehicle that has bodily injury liability limits lower than yours, or has no insurance at all, SUM coverage will be activated. SUM also covers accidents occurring out-of-state, which are not covered under the basic required Uninsured Motorists Coverage. The amounts paid under SUM will be reduced or offset by any amounts recovered from another party’s auto insurance liability policy. |
|
|
|
|
|
|
|
Optional Basic Economic Loss Insurers must offer OBEL Coverage. This coverage elevates the required $50,000 of PIP by an additional $25,000. Once the basic limits of $50,000 have been reached on a claim, the $25,000 OBEL benefits can be designated by the injured person to be applied specifically to payments for loss wages or for rehabilitation, or for all elements of PIP. |
|
|
|
|
|
|
|
Comprehensive Comprehensive coverage helps pay for damage to your auto, including window glass, when the damage is not caused by collision. This would include damage by a falling object, hail, fire, theft, vandalism, explosion, earthquake…. A deductible applies to this coverage. “Full glass” coverage can also be purchased such that the deductible does not apply to any window glass damage. If you choose a higher deductible, your premium rate will be lower. |
|
|
|
|
|
|
|
Collision This coverage helps pay for damage to your auto as a result of a covered collision with another vehicle or other object such as a telephone pole. With this optional coverage, your policy will pay you for damage to your car without regard to fault. A deductible applies to this coverage. If you choose a higher deductible, your premium rate will be lower. |
|
|
|
|
|
|
|
Accidental Death and Dismemberment Some insurance companies offer AD&D coverage. Under the terms of the policy, AD&D will pay you, your family members or other occupants of your car a set amount for certain serious injuries or death caused by an accident while in your car. This amount is payable in addition to any amount collected under your policy no-fault or liability coverage. |
|
|
|
|
|
|
|
Motor Home |
|
|
|
|
|
|
|
Supplemental Spousal Liability Insurance If you and your spouse are in an accident, your spouse as a passenger cannot hold you as the driver liable for his or her injuries unless you have supplemental spousal liability coverage. The NYS legislature passed a law requiring insurers to offer their policyholders the opportunity to purchase supplemental spousal liability on January 1, 2003. For an additional premium, this insurance covers the liability of an insured because of the death of or injury to his or her spouse for the liability insurance limits provided under the policy. The burden of proof of negligence is the responsibility of the individual. |
|
|
|
|
|
|
|
Rental Reimbursement If your car is being serviced or repaired due to a covered loss, you don’t have to be without transportation. This coverage is sometimes referred to as “extended transportation” or “rental car coverage” and will reimburse you the “cost per day” that you select to purchase under your policy. Some carriers require you to purchase both comprehensive and collision coverage before they will offer this product, while others will provide it when you have only purchased comprehensive coverage. |
|
|
|
|
|
|
|
Full-Timer Coverage Full-Timer Coverage protects your RV when it is parked and you are using it as a residence. This liability protection is very similar to a homeowner policy. An automobile policy will only provide liability protection when you are using your motor home as a vehicle or when your travel trailer is being towed by an automobile. |
|
|
|
|
|
|
|
Personal Items Replacement Cost Coverage Personal Items Replacement Cost Coverage for personal belonging that are destroyed or stolen is another option worth considering, particularly for customers who use their RVs often and those people who carry a lot of expensive personal property on their trips. |
|
|
|
|
|
|
|
Attached Accessories Attached Accessories coverage provides coverage for awnings, satellite dishes and TV antennas. |
|
|
|
|
|
|
|
Campsite/Vacation Liability Campsite/Vacation Liability coverage provides liability coverage when you use a parked RV as a residence. |
|
|
|
|
|
|
|
Replacement Cost Coverage Personal Items Replacement Cost Coverage for personal belonging that are destroyed or stolen is another option worth considering, particularly for customers who use their RVs often and those people who carry a lot of expensive personal property on their trips. |
|
|
|
|
|
|
|
Towing and Roadside Assistance Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. When a carrier offers this service it is usually available 24 hours a day, 365 days a year everywhere in the United States and Canada. The service includes towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services. This service also helps you find a qualified repair facility if needed. There are no out-of-pocket payments required for covered losses. Your RV is covered regardless of who is driving. |
|
|
|
|
|
|
|
Special Option for Fifth-Wheelers Special Option for Fifth-Wheelers is coverage that will insure the medium duty tow truck that is used to tow the fifth wheel, provided the medium duty tow truck’s GVWR exceeds 10,000 pounds. |
|
|
|
|
|
|
|
Special Program for Stationary Travel Trailers Special Program for Stationary Travel Trailers gives you extensive comprehensive and contents coverage if you use the travel trailer as a seasonal or permanent residence. This includes vacation liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liability. |
|
|
|
|
|
|
|
Towing and Labor Costs This coverage will reimburse you up to the limit you select for your necessary towing charges should your insured car become disabled. If you are covered by a “road-side assistance” service through another program, you may not need to add this coverage to your auto policy. |
|
|
|
|
|
|
|
Sound System and Tape/CD Coverage |
|
|
|
|
|
|
|
Total Loss Replacement Coverage |
|
|
|
|
|
|
|
Emergency Expenses Coverage |
|
|
|
|
|
|
|
Bodily Injury Bodily Injury Liability coverage is required by NYS law. This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It’s very important to have enough liability insurance, because if you are responsible for injuring someone in an accident, you may be liable and/or sued for the cost of their medical treatments, lost wages, pain and suffering, and attorney fees, which can add up to a very large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings. |
|
|
|
 |
|
2022 Western Avenue • Albany NY 12203 • Office hours: Monday - Friday 9:00am - 5:00pm Phone: 518.452.2736 • Fax: 518.452.2851 • Email: insurance@bradleyagency.com  
|
|
||||||||||
|
|
|
|
Full-Timer Coverage Full-Timer Coverage protects your RV when it is parked and you are using it as a residence. This liability protection is very similar to a homeowner policy. An automobile policy will only provide liability protection when you are using your motor home as a vehicle or when your travel trailer is being towed by an automobile. |
|
|
|
|
|
|
|
Total Loss Replacement Coverage |
|
|
|
|
|
|
|
Campsite/Vacation Liability Campsite/Vacation Liability coverage provides liability coverage when you use a parked RV as a residence. |
|
|
|
|
|
|
|
Emergency Expenses Coverage |
|
|
|
|
|
|
|
Attached Accessories Attached Accessories coverage provides coverage for awnings, satellite dishes and TV antennas. |
|
|
|
|
|
|
|
Comprehensive for campers and travel trailers Comprehensive for campers and travel trailers provides coverage for protection from just about any direct, sudden, and accidental loss, including; collision, fire, smoke, floods, landslides, hail, windstorms, lighting, animals, vandalism, theft, and low branches or overhangs. |
|
|
|
Website design, and maintenance by: SchoolhouseGraphics.com |
