Personal Auto Insurance
Drive with Confidence!
Stop Settling for Overpriced Personal Auto Insurance
DNS Insurance Broker compares quotes from top carriers. We find affordable coverage and competitive rates for your vehicle and driving record.
You get the protection you need without breaking the bank. You will have peace of mind knowing your insurance protects you financially after an accident.
Don’t Let Breakdowns Break the Bank
Protect your belongings with customizable coverage. Unexpected repairs can be expensive. Our products help safeguard vehicles from 2012 to current models with odometers under 200,000 miles at purchase.
Control your coverage and stay on budget. Get a quick, anonymous quote, customize your plan in minutes, and enjoy instant protection.
What Is Personal Auto Insurance?
Auto insurance provides financial protection against losses from car accidents. Coverage types vary by state. Here are the main ones.
Liability Coverage
Liability coverage is required in most states. It protects you if you cause an accident by covering costs for the other driver and their property.
Key Points About Liability Coverage
DNS Insurance Broker recommends at least $50,000/$100,000/$50,000 coverage:
- $50,000 Bodily Injury per Person
- $100,000 Bodily Injury per Accident
- $50,000 Property Damage
It can also cover legal fees, lost wages, and pain and suffering.
Who’s Protected?
Your policy usually covers you, permitted drivers, and sometimes occasional borrowers. Business use or unauthorized drivers are typically excluded.
Remember to:
- Review your policy for details and exclusions.
- Consider higher limits for better protection.
Adequate liability coverage protects everyone on the road. Get a personalized quote today.
Protect Yourself in Unexpected Situations
Medical Payments Coverage
This adds protection even if you have health insurance. It helps pay for medical expenses, doctor visits, hospital stays, surgeries, medication, and lost wages after an accident.
Uninsured Motorist Coverage
This protects you if the other driver has no insurance, insufficient coverage, or hits and runs.
It can cover medical expenses, property damage, lost wages, and pain and suffering.
Key Considerations
- Some states require minimum uninsured motorist coverage.
- Choose limits that fit your needs.
- Watch for exclusions like business use.
Protect Your Vehicle: Physical Damage Coverage
This coverage protects against many risks. It includes two main types.
- Collision Coverage: Pays for damage when you hit another vehicle or object.
- Comprehensive Coverage: Covers non-collision damage such as natural disasters, vandalism, theft, animal collisions, or falling objects.
Considerations for Physical Damage Coverage
- Deductible: Higher deductibles usually mean lower premiums.
- Exclusions: Wear and tear or mechanical breakdowns are typically not covered.
- Lease/Loan Requirements: Lenders often require this coverage.
- Coverage Limits: Make sure limits are enough to repair or replace your vehicle.
Post-Accident Duties: Steps to Take After a Car Accident
Follow these steps for smooth claims processing.
Immediate Actions
- Check for injuries and prioritize safety.
- Move your vehicle to safety if possible.
- Call emergency services if needed.
Document the Accident
- Exchange information with the other driver (names, contacts, insurance, license numbers).
- Take photos of the scene, damage, and conditions.
- Note the date, time, and location.
Contact the Police
Report the accident even if minor. A police report helps with claims.
Notify Your Insurance Company
Contact your agent quickly. Provide all details, including the other driver’s info and police report.
Cooperate and Follow Up
- Be honest and provide requested documents.
- Let the adjuster inspect your vehicle.
- Seek medical attention even if injuries are not obvious.
- Avoid admitting fault — let your insurer handle it.
Keep detailed records of all expenses. Consult an attorney for complex cases. Be patient — claims take time.
Consult with DNS Insurance Broker
Talk to a DNS Insurance Broker agent in Brooklyn, New York. We help assess your needs and build the right personal auto insurance policy. Contact us today.
