Factors That Affect Your New York Car Insurance Coverage

by | April 25th, 2014

Every motor vehicle in New York State is required to carry insurance to help cover the costs associated with accidents. But the costs of coverage can vary and may lead to some motorists choosing to go uninsured if the costs are too high.

The Buffalo car accident attorneys with William Mattar Law Offices point out many factors can affect an individual’s insurance rate. The firm recently discussed several studies that show insurance companies use customers’ education levels to determine rates for New York auto insurance coverage.

Other factors used to determine insurance rates include age. An article from Main Street explains that on average, younger drivers tend to pay more for car insurance than older drivers. Experts say the reason for this is that older drivers tend to have more experience behind the wheel than teens and young adults.

High prices for insurance lead many drivers to forgo coverage, although doing so is illegal. So, what happens if you are in an accident and one of the drivers or vehicles involved is not insured? New York State requires No Fault insurance coverage on every auto insurance policy, so some of your expenses should be covered if you are insured, regardless of whether or not the other motorist is.

The process of filing No Fault insurance claims can be confusing, but William Mattar Law Offices can help with the answers you need. Call us today at (844) 444-4444 to discuss your accident.