Ensure that You’re Insured.

There are a handful of different types of auto coverage you can carry. One of the types of coverage that you can purchase, and that New York state law requires you to carry, is auto liability coverage. This type of coverage can help financially protect you if you’re found to be at-fault in an auto-related accident. Learn more below or call us today to discuss your auto liability insurance needs.  

What Is Personal Auto Liability Insurance? 
Personal auto liability insurance is a type of auto insurance coverage that provides financial protection against claims of bodily injury or property damage for which you are liable. With auto liability insurance, if you’re found to be at-fault for an auto accident, your policy will help cover the costs of third-party medical and property damage expenses up to your specified policy limits. Most states, including New York, require drivers to carry minimum levels of auto liability insurance.  

What Is Covered by Auto Liability Insurance? 
Auto liability insurance may help cover costs you may be liable for following an accident. Purchasing auto liability coverage can offer you financial assistance in the event that you are found liable for a vehicle-related incident. The two forms of liability coverage offered are:  

• Bodily injury liability can pay for medical expenses caused by an incident for which you are found at-fault. If you or others listed on your policy were to injure a third party with your vehicle, it would be covered under your bodily injury liability coverage. Not only does bodily injury liability cover medical expenses, it may also help cover lost wages of the injured party.
• Property damage liability is similar to bodily injury liability; if you or someone on your policy collide with another person’s vehicle or property, your property damage liability coverage can assist you in paying for repair or replacement costs.  

Auto liability coverage may also cover lawyers’ bills or court fees if you’re sued after an accident. This coverage typically pays the maximum amount specified in your policy or limits. You’re responsible for the remaining amount if accident damage surpasses your limits.  

Do You Need Liability Car Insurance? 
Under state law, New York drivers are required to carry minimum amounts of liability coverage. The Bob Putnam Agency can help ensure your auto insurance policy has the coverage you need and meets the state’s requirements. 

How Much Does Liability Insurance Cost? 
The cost of your liability insurance depends on several things, including how much coverage you choose. You can tailor insurance to your needs, and we can help you get appropriate coverage. 

Protection You Need 
We can help give you peace of mind and the financial protection you need behind the wheel. Call The Bob Putnam Agency at 607-397-1999 to get the auto liability protection you need and that New York requires.  .