Car Insurance

At The Sarrica Group Inc., we want to help make sure you have the right coverages and policy limits for both you and your vehicle. One of our personal lines agents can review your current policy, explain coverage options and offer you an auto insurance policy tailored to your individual needs.

Auto Insurance provides two main coverages for the named insured:

The first coverage available in Auto Insurance is the liability section of the policy. It covers your financial responsibility for injuring others in the event of an accident.

The second part of auto insurance covers the physical car itself with both comprehensive and collision coverage. Comprehensive coverage reimburses losses from fire, theft or other perils while collision coverage pays to repair damages caused by a severe accident.

Basic coverages contained in an automobile insurance policy:

Bodily Injury (BI) & Property Damage (PD) Liability Coverage
This coverage protects you if you're at fault for an accident that injures another person or damages someone's property up to the limits that you select. This auto coverage can assist in paying for the medical fees along with the property damage that the named insured is responsible for after an at-fault accident. And if you're sued for further losses, BI and PD can help cover your legal defense.
No-Fault Coverage, (PIP) Personal Injury Protection
This coverage is an extension of car insurance that covers medical fees and, in many cases, lost wages, and often called "no-fault" coverage. It pays out claims regardless of who is at fault in the accident. PIP coverage is essential to include in your auto policy because you can receive maximum benefits whether the accident was your fault or not. On top of medical bills and lost wages, PIP insurance can also cover expenses like transportation to medical appointments. PIP insurance is mandatory in 13 states with New York being included.
Additional PIP Coverage
Additional PIP Coverage acts as supplemental coverage to the Personal Injury Protection coverage required by law. It allows you to increase your PIP maximum limit amount for extra coverage on your auto policy.
Rental & Towing Coverage
This coverage will pay the cost of towing your vehicle to a repair shop when it is unable to be driven. In the event your vehicle is damaged in an accident and while it is in the repair shop, rental coverage will pay for the costs to rent a vehicle.
Uninsured Motorist Coverage
This coverage protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. It's imperative to include Uninsured Motorist Coverage in an auto policy because you avoid paying out-of-pocket for the cost of damages and medical expenses not covered by the other driver involved in an accident.
Underinsured Motorist Coverage
This auto coverage applies when you're in an accident with an at-fault driver whose liability limits are too low or insignificant to cover the costs of the damage or medical expenses. Having this coverage in an auto policy is critical because you avoid paying out-of-pocket for losses and medical expenses not fully covered by the other driver.
Medical Payments
We make sure to cover the cost of necessary medical care you receive as the result of a car accident and can be used regardless of who is at fault. This coverage is often limited to medical treatment received within the first three years after a peril has occurred and is limited to a specific dollar amount. In some states, Medical Payment Coverage only applies after other medical insurance limits are entirely exhausted.
Roadside Assistance
This auto coverage helps drivers when their vehicle breaks down and is an option on each of our auto insurance policies. Including roadside assistance to your auto policy will get you the following: towing, battery service, flat tire service, fuel delivery and lockout service.

DISCOUNT BUNDLE

You can earn a discount if you bundle up your Auto Insurance with your Homeowners and/or Umbrella Insurance with The Sarrica Group Inc. Ask our agents about how you can save money today!!!

NEED MORE INFORMATION:

At The Sarrica Group, we can make sure you have all the right coverages, options and discounts at the best available rates! We have Claim Representatives available 24/7 for reporting a claim whenever you get into an accident or suffer a loss.

Email: info@thesarricagroup.com

Call to speak to an agent: (516) 277-0812