Auto Insurance Policies in the Bronx, NY
Based in Stony Point, New York, Joyce Insurance serves the Bronx, New York, with unmatched auto insurance services. At Joyce Insurance, we provide auto insurance policies that keep you and your family protected on the road. We are committed to providing competitive auto insurance policies that meet your specific needs.
It's essential to have the appropriate auto insurance policy to ensure that you are covered in the chance you are involved in an accident or incident.
Whether you need truck insurance, classic car insurance, modified car insurance, or other options, we have the coverage policies to match.
​
Navigating different auto insurance policies can seem like a daunting task, and our specialists have extensive knowledge of the insurance landscape in New York to help you make the best decision. Our team can break down the different options available to you, so you understand the full scope of your coverage.
We work to find the ideal policy that fits your lifestyle, along with assuring that you have the legal qualifications to drive in New York. If you're searching for auto insurance policies in the Bronx, New York, Joyce Insurance can assist you in selecting the appropriate policies to keep you prepared on the road.
$672.88
SAVED ON AUTO INSURANCE
-Dominick P. in
Stony Point
$3,037
SAVED ON AUTO INSURANCE
-Patricia M. in
Yonkers, NY
$1,712
SAVED ON AUTO INSURANCE
-Gonzalez in
Haverstraw
$7,013
SAVED ON AUTO INSURANCE
-Campbell in
New City
The Basics of Auto Insurance
Driving is a part of daily life in which you get to work, travel, and accomplish your errands. With heavy traffic in the Bronx and major roadways such as the Cross Bronx Expressway, accidents can occur. If you have the right protection, you can guarantee that you are covered in the case you are involved in a fender bender or a significant accident.
​
If you are purchasing a new car or are shopping for auto insurance protection, it's helpful to understand the types of insurance available and what is required in your state. In New York, drivers must have auto liability insurance coverage for property damage, bodily injury, and accidental death. Each liability coverage comes with a minimum required amount, which our insurance specialists will go over with you. It's vital to have the proper insurance because, without it, the DMV can suspend your vehicle registration and your driver's license.
​
Auto insurance involves many different layers of protection for a wide range of situations. There are six common policies, including liability, uninsured motorist coverage, collision coverage, comprehensive coverage, personal injury protection, and medical payments coverage. Along with those standard policies, there is an array of other types of insurances that you may be able to add to your auto insurance policy, such as towing, rental reimbursement, and more.
Joyce Insurance can discuss with you the different coverage options to make the insurance process seamless as possible.
Liability Coverage
Auto liability coverage comes in two forms, which are bodily injury liability coverage and property damage liability coverage.
Liability coverage entails legal responsibility to others for bodily injury or property damage. Liability coverage is required by law in most states, as it is in New York.
If you cause an accident on the road, your liability coverage may cover costs associated with injuries or death along with repairs if you cause damages to another vehicle.
In New York state, the minimum amount of liability coverage is $10,000 for property damage for a single accident, along with $25,000 for bodily injury and $50,000 for death for a person involved in an accident, and $50,000 for bodily injury and $100,000 for death for two or more people in an accident.
Uninsured Motorist Coverage
Uninsured motorist coverage is a policy that keeps you protected if a driver hits you and does not have the appropriate insurance to cover the damages you sustained. If the at-fault driver doesn't have liability insurance, you may have to pay out of your pocket.
This policy can help cover medical costs and any damages to your vehicle. Uninsured motorist coverage is especially beneficial in high-volume traffic areas such as the Bronx, NY, where traffic jams often occur.
With this policy, you can take proactive action to make sure that you are prepared when other drivers are not.
Collision Coverage
Collision coverage policies help pay to repair or replace your automobile if it's damaged from a collision with another car on the road or an object such as a fence or tree. When these severe incidents occur, having this insurance can help with repair expenses. Often, collision insurance is not required in most states. Still, it certainly has its advantages to have in case of a collision.
Comprehensive Coverage
Occasionally, incidents separate from accidents can affect the well-being of your vehicle. If your car is on fire, vandalized, hit by hail or other natural disasters, or stolen from, comprehensive coverage comes into play. This policy is also often optional coverage, but it is important nonetheless. Comprehensive coverage does not protect you from damage to your vehicle from a collision or accident, medical expenses, or damages to another car. Our insurance specialists can discuss the details of this insurance policy to see if it would be an ideal fit for your lifestyle.
Personal Injury Protection
Personal injury protection, similar to medical coverage, may help pay for your medical expenses after an accident. It can cover expenses such as health insurance deductibles, costs that exceed your health insurance limits, child care, or other responsibilities you cannot attend due to injuries, and more after your initial coverage. Personal injury insurance typically has a coverage limit, and you must purchase at least the minimum amount required by New York.
Medical Payments Coverage
When accidents happen, people can sustain injuries, and it's vital to have the proper protection from potentially critical situations. As the name suggests, medical payments coverage can help with expenses such as hospital visits, health insurance deductibles, surgeries, X-ryas, and other medical situations. It may help pay for your or your passengers' medical costs if you're wounded in a car accident, regardless of which party caused the accident. Medical coverage is commonly optional, and without it, you may have to pay out of pocket costs. Your standard auto liability coverage will not pay for your or your passengers' medical bills after an accident.
Joyce Insurance can discuss the differences between the various liability and medical policies, so you have a full understanding of what your coverage entails.