PF Northeast Brokerage Inc.
1035 Route 82
Hopewell Junction, NY 12533
Phone: (845)223-8107
Fax: (845)227-8816
Email: info@pfnortheast.com
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Auto Insurance

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Car Insurance Coverage Basics

There is a lot to know about auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.

Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with an independent agent or PF Northeast Brokerage's representative.

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Client Testimonials

  1. "I was always reluctant to believe insurance company being customer's side, i thought they would hide behind paper work and fine prints when it comes to claims. Until I had an experience with PF Northeast claims service. I was surprised and relieved when i got a call from PF Northeast claims service informing me that they have taken care of the claim within few hours." - M.Taylor
  2. "My teenage son was about to be licensed, so I called my agent to ask, "Should I add him to my policy, or should I get a separate policy?" We talked about costs and available discounts. I really appreciated the suggestions on how to minimize the extra expense, and I feel I got a good value plus solid advice tailored to my situation." - T.Addison
  3. "I have never shopped for other auto or home insurance. I have been satisfied with my claims experiences and my agent. I still feel loyal to the company and will not switch. I have other PF Northeast products and I have been satisfied with the service overall. I hear from my agent mostly by mail and that is acceptable to me." - M.Smith
  4. "I love PF Northeast Brokerage not only they are on your side, but excellent service is a rare commodity anymore. My experience with PF Northeast Brokerage has been excellent. If I have a problem I call up my Insurance Agent, and all problems are taken care to my satisfaction." -G.Kelly