Serving Manhattan, The Bronx, Queens, Brooklyn, and Staten Island
No matter what type of vehicle you drive for pleasure or business, you cannot avoid being well insured if you want to protect your assets, whether personal or business. If you use a pickup truck for business or if one of your employees drives one, you know you must be insured to reduce your risk of financial loss.
If you are looking for pickup truck insurance in New York City, contact us as soon as you can.
What Is Pickup Truck Insurance
The answer is too obvious. Pickup truck insurance is insurance for your pickup trucks, but just what does it cover?
It does not matter how you use your pickup truck, you need to have just the right insurance for it. It does not matter what type of job you have or how your employees may use your truck, there are certain insurance coverages that you must have.
Property Damage coverage and Bodily Injury coverage are the two most basic parts of liability insurance if you are at fault, these coverages will take care of damage or injury to other people or to property.
If you, unfortunately, injure another person, the bodily injury part of liability will cover items like medical, hospital, lost earnings, pain and suffering, long terms nursing care, funeral expenses and some other cover up to your cover limits.
If you damage property and it is your fault, property damage insurance will cover repair or replacement of other vehicles, even a pet or a lamp post, houses and more.
Your legal defense, if necessary, is also covered by liability insurance.
Physical Damage Coverage
There is another group of insurance coverages that protect your vehicle. That is physical damage coverage. That would include collision insurance, comprehensive insurance, or possibly fire and theft insurance with combined additional coverage insurance.
If you happen to collide with another object or your vehicle overturns or rolls, collision insurance will pay to repair or replace your truck. Comprehensive will do the same if the damage is the result of something other than collision or if your truck is stolen.
Fire and theft insurance with CAC is like comprehensive but coverage is more limited to certain specifics.
Uninsured or Underinsured Motorist Insurance
If you are in an accident with someone who does not have liability insurance or low limits on their coverage, uninsured or underinsured motorist insurance will cover your losses. This coverage can vary widely by state so you need to speak with our experienced agents to determine just what coverage may be available to you. These coverages can include:
- Uninsured Motorist Property Damage
- Uninsured Motorist Insurance
- Underinsured Motorist Insurance
Speak with an agent for details.
Don’t Take Any Chances
With the right pickup truck insurance policy:
- You can reduce your liability and risk
- Save money
- Enjoy top notch personal service from your agent
Don’t take any chances. Call us so you can review coverage with an agent who will find the right plan for you at a price you can afford.