Four things you should never assume about auto insurance

If you own a vehicle in Scotia, NY, you’ll need to purchase an auto insurance policy. We provide auto insurance coverage to area consumers at Rowledge & Falvo Insurance Agency.

Unfortunately, motorists sometimes make inaccurate assumptions about auto insurance.

Here are four things that you should never assume about auto insurance coverage:

You only need minimum coverage.

Investing in more than minimum coverage is always advisable. Simply having enough liability coverage to meet legal requirements in New York doesn’t necessarily mean that your assets are adequately protected.

It’s best if you’re carrying enough liability coverage to cover the full value of your assets to avoid financial loss as a result of a bad accident. 

You can use your personal auto insurance policy when you’re driving for commercial activities.

A personal auto insurance policy is only in effect when you drive your vehicle for personal reasons. If you drive your vehicle regularly to carry out commercial tasks, you need to have commercial auto insurance coverage. 

All auto insurance policies include rental vehicle coverage.

Rental vehicle coverage is a convenient feature of many auto insurance policies that pays for the policyholder to rent a vehicle when his or her vehicle is in the shop for repairs after an accident. 

If you want to have rental vehicle coverage on your auto insurance policy, be sure to read the fine print. While many auto insurance providers include this feature in standard policies, others don’t. Some insurance providers may require you to add rental vehicle coverage onto a standard policy to enjoy this type of coverage. 

All auto insurance providers are the same. 

Some auto insurance providers are better than others. Be sure to do your research and find a reliable auto insurance company with a reputation for satisfying its customers. 

Have Questions? Consult With Us

Get a quote on an auto insurance policy by getting in touch with Rowledge & Falvo Insurance Agency. We’re here to meet the insurance needs of consumers in Scotia, NY.