Jack & Jack Insurance Agency
2395 N Main St, Jamestown, KY 42629
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2395 N Main St, Jamestown, KY 42629
View this agency's profile to learn more about their services.
1640 N Main St, Jamestown, KY 42629
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Jamestown residents.
New York requires 25/50/10 liability coverage ($25,000 per person, $50,000 per accident, $10,000 property damage), $50,000 in Personal Injury Protection (PIP), and 25/50 uninsured motorist coverage. This is the legal minimum, though most experts recommend higher limits for adequate protection, especially given Jamestown's winter driving conditions.
No-fault means your own insurance pays your medical bills regardless of who caused the accident. Your PIP coverage handles medical expenses, 80% of lost wages (up to $2,000/month), and other necessary costs up to your policy limit. You must file claims within strict deadlines: 30 days for accident notification, 45 days for medical bills, and 90 days for lost wages.
Jamestown's proximity to Lake Erie creates lake-effect snow, white-out conditions, and icy roads that increase accident risk. The I-86 corridor sees regular winter weather incidents, and Chautauqua County's mix of rural and urban roads presents varied driving hazards. Insurance companies factor these regional risks into your premium.
New York imposes severe penalties including fines up to $1,500, immediate license suspension, and vehicle registration revocation. If your license is revoked, you'll pay an additional $750 to restore it. The DMV and traffic court take uninsured driving seriously, and you could face these consequences even for a first offense.
Yes, absolutely. The 25/50/10 minimums are dangerously low for serious accidents. A single hospitalization can exceed $25,000, and totaling a newer vehicle easily surpasses $10,000. Most insurance experts recommend at least 100/300/100 coverage, plus collision and comprehensive coverage to protect against winter weather damage and accidents on icy roads.
Yes, several strategies can reduce your premium. Completing a defensive driving course provides a 10% discount and removes 4 points from your DMV record. Shop around and compare quotes—new customers report savings of $50+ per month by switching. Ask about multi-car, good student, low-mileage, and bundling discounts that could significantly lower your rate.
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