Auto Insurance Types for Crossovers
Crossovers—vehicles blending SUV styling with car-like handling—often require insurance that balances protection for both urban commuting and light adventure use. When choosing coverage, it’s important to understand the main types of auto insurance available. Hughes Associates, Inc. provides auto insurance in Queens, NY, Howard Beach, Far Rockaway, Richmond Hill, NY, Middle Village, NY, Glendale, NY, and surrounding areas.
Liability Coverage
This is the core coverage required in most states. It includes:
- Bodily Injury Liability: Pays for injuries to others if you are at fault.
- Property Damage Liability: Covers damage to another person’s vehicle or property.
For crossovers, liability limits should be set high enough to account for the potential damage a larger vehicle can cause in an accident.
Collision Coverage
Pays for repairs or replacement of your crossover if it’s damaged in a collision, regardless of fault. Because crossovers can be more costly to repair than smaller cars, collision coverage can be essential, especially for newer models or vehicles under loan/lease agreements.
Comprehensive Coverage
Protects against non-collision incidents such as theft, vandalism, fire, hail, or animal strikes. Crossovers parked outdoors or driven in areas with severe weather particularly benefit from this coverage.
Personal Injury Protection (PIP) or Medical Payments
Covers medical expenses for you and your passengers after an accident. PIP is required in no-fault states and may also include lost wages or rehabilitation costs.
Uninsured/Underinsured Motorist Coverage
If another driver has little or no insurance, this coverage helps pay for your medical bills and repairs. This can be valuable protection since accidents with uninsured drivers are not uncommon.
Gap Insurance
If your crossover is financed or leased, gap insurance covers the difference between your loan balance and the vehicle’s actual cash value if it’s totaled.
Optional Add-Ons
Extras like roadside assistance, rental car reimbursement, or custom equipment coverage can provide added convenience and security for crossover owners.
By understanding these coverage types, crossover drivers can select a policy that fits both their vehicle’s value and their driving lifestyle.
Please contact us with any questions you might have, and we will be happy to help.
