Affordable Benefit Concepts, Inc
7785 Henry Clay Blvd, Liverpool, NY 13090
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Liverpool households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7785 Henry Clay Blvd, Liverpool, NY 13090
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609 7th North St, Ste 1, Liverpool, NY 13088
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8035 Oswego Road, Liverpool, NY 13090
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Learn about insurance coverage options specific to Liverpool residents.
New York requires all drivers, including those in Liverpool, to carry 25/50/10 liability coverage, $50,000 in Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage with 25/50 limits. This means $25,000 per person and $50,000 per accident for bodily injury, $10,000 for property damage, and $50,000 in PIP to cover your medical expenses and lost wages regardless of fault.
Under New York's no-fault system, your own insurance company pays your medical bills and lost wages up to $50,000 after an accident, regardless of who caused it. This gets you immediate benefits without waiting for fault determination. However, you can only sue the other driver for pain and suffering if your injuries meet the serious injury threshold, which includes fractures, permanent loss of use, significant limitations lasting 90+ days, or other severe conditions.
Liverpool drivers typically pay between $118 and $198 per month for auto insurance, which is lower than New York State's average of $168 per month. Your actual rate depends on factors like your age, driving record, vehicle type, and chosen coverage levels. Shopping around can help you find rates as low as $79-107 per month with insurers like Progressive, GEICO, or Liberty Mutual.
The serious injury threshold determines whether you can sue another driver for pain and suffering beyond your PIP benefits. It includes death, significant disfigurement, bone fractures, permanent loss of organ use, significant limitation of body function, or injuries preventing substantially all usual activities for at least 90 of the first 180 days after the accident. If your injuries don't meet this threshold, you're limited to your PIP coverage and cannot sue for additional damages.
Yes, most insurance professionals recommend carrying higher liability limits than the state minimums. The minimum $25,000 per person won't cover much in a serious accident, and you could be personally liable for costs above your policy limits. Consider at least 100/300/50 coverage if you can afford it, and make sure you have adequate uninsured motorist coverage to protect yourself from drivers without sufficient insurance.
Beyond state requirements, consider collision coverage to repair your vehicle after an accident, comprehensive coverage for non-accident damage like theft or hitting a deer, rental reimbursement for a loaner car during repairs, and gap insurance if you owe more than your car's value. Given Onondaga County's rural areas with wildlife, comprehensive coverage is particularly valuable for Liverpool drivers.
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