Our agency offers dependable and affordable automobile insurance protection from a number of independent agent companies.

We strive to place your coverage with the company that fits your needs best.

The more you understand about your auto insurance policy, the better we can work together to protect you.  The following are some of the most commonly used terms.  For a complete explanation of these and other insurance terms and coverages, call us at (585) 582-1660.

Bodily Injury Liability Coverage--Pays claims against you, including the cost of your legal defense,  resulting from injuries to other persons in an automobile accident for which you are legally liable.

Property Damage--Pays for claims for your financial loss if you are found liable for physical damages to tangible property belonging to a third party.

No-Fault Auto Insurance/Personal Injury Protection--Coverage through which the financial losses you, your passengers or a pedestrian sustain from an auto accident--such as medical and hospital costs and lost income--are paid by your insurance company regardless of who is at fault.  This is a mandatory coverage in New York State.

Supplementary Uninsured/ Underinsured Motorist Coverage--Uninsured motorist coverage pays for injuries sustained by you and your passengers caused by an uninsured motorist or a hit-and-run driver.  Underinsured motorist coverage pays when you or your passengers are injured as a result of negligence by someone with insufficient liability insurance to cover your losses. 

Comprehensive Insurance--Reimburses you for damage to your vehicle from causes other than a collision or overturning. This includes hail, flood, theft, fire, glass breakage, falling objects, explosions, earthquakes, windstorms, vandalism or malicious mischief, riot or civil commotion and collision with a bird or an animal.

Collision Insurance--Optional coverage that reimburses you for damage to your vehicle resulting from overturning or from colliding with another object, including another vehicle, regardless of whose fault it is.

Deductible--The portion of an insured loss you pay before the insurance company starts picking up the bill.

Premium--The amount you pay for insurance for a specific period of time. This could be a year for an annual policy, or six months for a semi-annual policy.