Hughes Associates be will be open Monday through Friday. Until we are past this crisis, will be accepting appointments only, so please call 718-456-8646 to speak with us.

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Auto Insurance in Glendale, Middle Village, Ridgewood, NY

Types of car and auto insurance

Car insurance goes hand in hand with car ownership – you can’t have the one without the other. Well you can but that is simply a bad idea. Some form of auto insurance is required by law. In addition, there are too many risks that you as car owner face not to have proper auto insurance. Hughes Insurance can help you with proper car insurance in Glendale.

There are many categories or types of cover when it comes to car insurance. The first type of cover is liability cover. As a vehicle owner you have a public responsibility to others. Should you cause an accident through negligence you will be liable for injuries and damages sustained by others. This is likely to be a substantial amount of money. If you don’t have proper liability coverage you can find yourself in a lot of trouble. Liability insurance is an essential component of auto insurance.

However, liability insurance is does not cover your own personal losses and damage. You also need collision insurance to cover damage to your vehicle. If your vehicle is damaged or totalled, you will need to have it repaired or replaced as soon as possible. Without collision coverage you might not be able to afford the repairs.

There are other risks to consider as well, such as auto theft, storm damage, vandalism and civil unrest, to name a few. You also need to consider things such as road side assistance, personal medical expenses and alternative transport.

If you own more than one vehicle you need to consider insurance for your other vehicles as well. Maybe you have a second car. A motor cycle, a boat or a snow mobile. Your auto insurance can be extended to cover additional vehicles and will likely get a better deal as well.





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