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Bodily Injury Insurance uses cookies to ensure you get the best experience on our site.
We are your local independent agency specializing in comprehensive auto liability and home insurance solutions for families and professionals throughout Katonah, Bedford, Somers, and all of Westchester County. Don't risk your financial future with minimum coverage—we provide the powerful protection you need.
Protect Everything You’ve Built: Why High-Limit Bodily Injury Coverage is Essential
In New York State, the minimum required bodily injury liability limits are notoriously low ($25,000/$50,000). A serious car accident can quickly result in medical bills and legal costs that far exceed these basic limits, leaving your personal assets (savings, home equity, investments) exposed to lawsuit.
Choosing high-limit bodily injury auto insurance isn't just about meeting a requirement; it's about safeguarding your family's financial stability.
Understanding Your Liability: What Does Bodily Injury (BI) Coverage Include?
Bodily Injury (BI) Liability coverage pays for damages when you are at fault for an accident that injures others. This can include:
Medical expenses, hospital bills, and rehabilitation costs for the injured party.
Lost wages and loss of future earning capacity.
Pain and suffering compensation (if the injury meets the NY "serious injury threshold").
Legal defense costs, even if the lawsuit against you is unsuccessful.
Essential Protection for NY Drivers: Supplementary Uninsured/Underinsured Motorist (SUM)
You can protect others, but who protects you? Many New York drivers carry only the state minimum insurance. If you or your family members are seriously injured by an at-fault driver who has little or no insurance, your only recourse is often your own policy.
We highly recommend maximum Supplementary Uninsured/Underinsured Motorist (SUM) coverage to bridge this gap. SUM coverage ensures you have the resources to cover your own medical costs and losses up to your chosen limit, regardless of the other driver's financial situation.
Get a Personalized Quote for Your Katonah, NY Home & Auto Protection
We make the process of finding the right coverage simple and transparent. Our local Katonah agents compare rates and policies from top-rated carriers to build a custom shield that fits your life and your budget.
Our Core Insurance Services:
High-Limit Auto Liability Insurance: Maximum protection against catastrophic financial loss.
Homeowners & Renters Insurance: Comprehensive coverage for properties across Westchester County.
Personal Umbrella Policies: The final layer of defense, extending liability limits up to $1M or more.
Ready to secure your peace of mind?
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