Insurance Hudson NY, Catskill NY; Homes Hudson NY - Fingar Insurance

Insurance Hudson NY, Catskill NY - Home About Fingar Insurance Contact Fingar Insurance

Get an Instant Insurance Quote Pay Insurance / Report a Claim Request Certificate of Insurance Online Defensive Driving


	Homeowners / Renters
	Vehicle Insurance
	Life Insurance
	Business Insurance
	Disability Insurance
	Contractors
	Quote Me Later

Prefer to talk to an agent? Call us at 1-518-828-4500 Or, if you like you can click the AGENTS button below to Chat Live Online: M-F 8:00am-4:30pm, Sat 9:00am-1pm
Chat live with an Insurance Agent

Auto Insurance NY

Welcome to the auto insurance section of our web site. This section covers the basics of auto insurance.

Comprehensive Car/Truck Insurance Coverage In NY at Competitive Prices

That's what Catskill and Hudson's drivers want from their insurance company. And that's just what Fingar Insurance delivers. Coverage that gives you and your vehicle the protection you need. Insurance rates you may find surprisingly low at the start… and they get even better with the many discounts available!

Fast, Courteous Claim Service

Your insurance policy is only as good as the claim service that backs it up. When you file a claim, your insurance must go to work for you. Nobody understands this better than Fingar Insurance. That's why, together with your company, our staff are always at your side to advocate for you. It's the kind of friendly, personal attention you can expect from a company who's been your neighbor right here in New York State's Catskill and Hudson regions since 1931.

Understanding Your Auto Insurance

The more you understand your auto insurance policy, the better we can work together to protect you. Following are some of the most commonly used terms. For a complete explanation of these and other insurance terms and coverages, you should always consult your agent.

Bodily Injury Liability Coverage -
Pays claims against you, including the cost of your legal defense, resulting from injuries to other persons in an automobile accident for which you are legally liable.
Collision Insurance -
Optional coverage that reimburses you for damage to your vehicle resulting from overturning or from colliding with another object, including another vehicle, regardless of who is at fault.
Comprehensive Insurance -
Reimburses you for damage to your vehicle from causes other than a collision or overturning, including hail, flood, theft, fire, glass breakage, falling objects, explosions, earthquakes, windstorms, vandalism or malicious mischief, riot or civil commotion and collision with a bird or animal.
Deductible -
The portion of an insured loss you pay before the insurance company starts picking up the bill.
Liability Insurance -
Pays claims against you as well as your legal defense costs when you are legally responsible for an accident in which you have injured another person or damaged his or her property.

No-Fault Auto Insurance/
Personal Injury Protection -
Coverage through which the financial losses you, your passengers or a pedestrian sustain from an auto accident, such as medical and hospital costs and lost income, are paid by your insurance company regardless of who is at fault.
Premium -
The amount you pay for insurance for a specific period of time, usually one year.
Property Damage -
Pays for claims for your financial loss if you are found liable for physical damages to tangible property belonging to a third party.
Supplementary Uninsured/
Underinsured Motorist Coverage -
Uninsured Motorist coverage pays for injuries sustained by you and your passengers caused by an uninsured motorist or a hit-and-run driver. Underinsured motorist coverage pays when you or your passengers are injured as a result of negligence by someone with insufficient liability insurance to cover your losses.

Available limits

Combined Single Liability Limits

$60,000
$100,000
$300,000
$500,000
$1,000,000

Split Limits

$25,000/$50,000
$50,000/$100,000
$100,000/$300,000
$250,000/$500,000

Property Damage Limits

$10,000
$25,000
$50,000
$100,000
$250,000

Ways to Save with Fingar Insurance

Accident Prevention Course -
10% discount for having taken an approved accident prevention course.
Anti-Lock Braking System (ABS) -
7% discount if your vehicle is so equipped.
Anti-Theft Devices -
Discount of 5% each for having an Alarm and/or Vehicle Identification Number window etching. A discount of 15% if your vehicle is equipped with a Passive Disabling Device or a Vehicle Recovery System. (25% maximum total discount for
Anti-Theft Devices.)
Multipolicy Program -
Up to a 10% discount when you have both your personal auto and homeowners policies with the same company. (You could also save another 5% on your homeowners!)

Daytime Running Lights -
Factory Installed daytime running lights give you a 3% discount.
Loss Free Discounts -
If you have been loss-free for 48 months and conviction-free for 39 months. You can qualify for the discounts plus an additional 20% off the comprehensive and collision portions of your premium, for total savings of up to 30%!
Multi-Car Discounts -
20% savings for having more than one vehicle on your personal auto policy.
Passive Restraints Discounts -
20% if your vehicle is so equipped on the driver's side; 30% if equipped on both the driver and front passenger sides. (Applies to factory installed front occupant restraints.)

Additional Insurance Coverages

Fingar Insurance also offers a variety of related coverages, including protection for full glass, trailers, campers, motorhomes, motorcycles, snowmobiles, RVs and custom vans.

The Personal Umbrella Policy

Goes significantly beyond even the highest limits available under the auto and homeowner insurance programs in New York to protect you against a wide range of personal liability hazards. In the event of a major lawsuit, it can help protect you against financial ruin, especially if your assets are substantial. The cost is modest compared to the available limits of liability - $1 million up to a maximum of $10 million.

Solid protection... Attractive pricing... Superior service.
Fingar Insurance

Prefer to talk to an agent? Call us at 1-518-828-4500

Or, if you like you can click the AGENTS button below to Chat Live Online:

M-F 8:00am-4:30pm, Sat 9:00am-1pm