Call for a free Case Review


Liability Insurance  

all drivers are required by law to carry liability insurance.

Uninsured Motorist (UM)/Underinsured Motorist (UIM) Insurance

used for hit and runs or if the other person does not have insurance.

Personal Injury Protection (PIP):

insurance used to pay for all your medical treatment


No Fault Benefits (PIP)

insurance used to pay for medical treatments in New York.

Medical Payments Coverage or MedPay:

medpay is optional insurance that can be added to an auto policy. 

NY liability coverage



NJ liability coverage



-NJ state automobile insurance




-NY state automobile insurance



written by police office at scene of accident


self-written report

Collision, Comprehensive

pays for damage to any listed vehicle in the policy in a collision.


Towing Insurance

pay for the cost of towing your vehicle up to the limit specified in your policy.


Rental Insurance

pays for the cost of renting a car while your vehicle is being repaired.


Gap Insurance

pays if vehicle is a “total loss and you still owe the bank -note.

-pays the difference between value before damage and amount you owe.


Umbrella Coverage

additional liability coverage if:

-other liability insurance is not enough to protect their assets.  


Total loss -your own policy

cost to repair is more than the actual cash value of the car


Total loss – other person’s policy

vehicle is not repairable


Diminished value

value before collision-value after collision


Miscellaneous expenses

storage, towing, lost property in the car


summons and complaint

filing a suit in a court house after the accident


discovery period

period in a suit where medical records are submitted to insurance



accident victim testified about the accident and medical treatment


Independent medical exam (IME)

accident victim is examined by the other driver’s insurance doctor



negotiate to settle with the other driver’s insurance company


English EN Español ES