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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

$25,000/$50,000/$10,000

NJ liability coverage

$15,000/$30,000/$5,000

NJPLIGA

-NJ state automobile insurance

-$15,000/$30,000

MVIAC

-NY state automobile insurance

-$25,000/$50,000

Report

written by police office at scene of accident

MV104

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

deposition

accident victim testified about the accident and medical treatment

Independent medical exam (IME)

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

Arbitration/mediation

negotiate to settle with the other driver’s insurance company