Ability Service Agency, Inc.
2075 Grand Ave, Baldwin, NY 11510
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2075 Grand Ave, Baldwin, NY 11510
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935 Merrick Rd, Baldwin, NY 11510
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935 Merrick Rd, Basement, Baldwin, NY 11510
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Learn about insurance coverage options specific to Baldwin residents.
Baldwin, NY drivers need PIP, 25/50/10 liability & uninsured coverage. Nassau County rates run $150-$300/mo. Get quotes, understand no-fault rules & save.
General Insurance EducationComplete insurance guide for Baldwin, NY residents. Learn about flood risk, rising Nassau County rates, LIRR commuter discounts & essential coverage options.
New York requires all drivers in Baldwin to carry $25,000/$50,000/$10,000 in liability coverage, $50,000 in Personal Injury Protection (PIP), $25,000/$50,000 in uninsured motorist coverage, and supplemental spousal liability coverage unless you opt out in writing. This no-fault system ensures your medical bills are covered regardless of who caused the accident.
Baldwin residents typically pay between $150 and $300 per month for full coverage auto insurance, which is higher than the state average due to Nassau County's proximity to New York City. Rates start as low as $75 per month for minimum coverage with a clean driving record, but most drivers need more comprehensive protection.
Personal Injury Protection (PIP) in New York covers your medical expenses, 80% of lost earnings up to $2,000 per month for three years, up to $25 per day for necessary expenses like transportation to medical appointments for one year, and a $2,000 death benefit. The required minimum is $50,000 per person, and it pays regardless of who caused the accident.
Yes, but only in certain circumstances. New York's no-fault system generally prevents lawsuits for minor injuries, but you can be sued if you cause an accident resulting in serious injury (such as significant disfigurement, bone fractures, permanent limitation of body function, or significant limitation of use of a body function or system), death, or economic losses exceeding your PIP coverage limits. This is why many experts recommend carrying more than the minimum liability coverage.
Driving without insurance in New York can result in license suspension, vehicle registration revocation, fines up to $1,500, and an additional $750 fee to restore your license. Beyond the penalties, you'll be personally liable for all damages if you cause an accident, which could include medical bills, lost wages, and property damage that could financially devastate you.
Most insurance experts recommend buying more than New York's minimum coverage, especially in Baldwin where property values and incomes are high. The minimum $25,000 per person for bodily injury won't cover serious accident injuries, and you'd be personally liable for the difference. Consider at least 100/300/100 coverage, and look into umbrella policies if you have significant assets to protect.
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