Form PAP-1 · Personal Lines
Auto.
New York minimums protect the state, not you. We set liability and SUM limits that match what you actually have to lose, then make a dozen carriers compete on the same coverage — not a watered-down version of it.
What the policy carries
Bodily injury & property damage
Liability limits sized to your assets and income, because a serious accident doesn't settle at the state minimum.
Supplementary UM/UIM (SUM)
The most underbought coverage in New York: protection when the driver who hits you carries too little insurance — or none.We match SUM to your liability limits
No-fault / PIP
New York's mandatory personal injury protection, set correctly and coordinated with your health coverage.
Collision & comprehensive
Deductibles chosen deliberately — high enough to save premium, low enough that a claim never becomes a dilemma.
Glass, rental & roadside
Full glass with no deductible, rental reimbursement, and roadside — the small coverages that decide whether a bad week stays small.
New & teen drivers
Rate strategy for adding a young driver without doubling the household premium: good-student credits, driver assignment, and telematics where it helps.
Rideshare & delivery gap
Personal policies exclude commercial use. If you drive for an app, we close the gap between your policy and the platform's.