States like New York operate with unique stipulations imposed on auto insurance requirements, predominantly attributed to New York being a no-fault state. The term’ no-fault’ may stir confusion if you’ve recently moved to New York or are procuring an auto insurance policy. What does ‘no-fault’ entail? What is personal injury protection? This article elucidates the concept of no-fault insurance in New York. It outlines how Kinowski Agency Inc., based in Amsterdam, NY, simplifies the process of finding the ideal protection for you and your vehicle.

What Exactly Is No-Fault Insurance?

No-fault insurance refers to a type of insurance policy wherein you, your property, or someone else and their property receives coverage, irrespective of who was the culprit behind the accident. This varies from most states that only maintain liability coverage, which assists in covering injuries or property damage inflicted upon those you collide with, assuming you’re at fault. New York adopted no-fault insurance to expedite processing claims, enabling everyone to obtain coverage without having to underline who initiated the accident.

Procuring Auto Insurance in New York With Kinowski Agency Inc.

Obtaining the right auto insurance and Personal Injury Protection (PIP) is fundamental to legally driving in New York and safeguarding you, your vehicle, and your passengers. However, finding the apt policy can be arduous, primarily if you’re unsure about the degree of coverage required before you take to the road. Here at Kinowski Agency Inc., we make the process stress-free. Get in touch with us to learn more about our support or compare quotes with us today.