top of page
TLC
Insurance
TLC Liability Insuranceā
What it covers:
Only covers damage or injuries you cause to others.
ā
What it does NOT cover:
Your own car's damage or your injuries.
ā
Example:
If you hit another car, liability insurance will pay for their repairs and medical bills,
but you’ll have to pay out of pocket for your own car’s damage.
ā
Cost:
Cheaper than full coverage.
ā
Best for:
Drivers who want the minimum legal requirement to operate their TLC vehicle.
Full Coverage Insurance
What it covers:
Liability (others' damage) plus coverage for your own car and injuries.
Types of coverage included:
Collision:
Pays for repairs if your car is damaged in an accident,
even if it’s your fault.
Comprehensive:
Covers things like theft & vandalism.
Example:
If someone breaks into your car or you hit a pole,
full coverage will help pay for the repairs.
Cost:
More expensive but provides better protection. Full coverage policy is second policy addition to liability policy.
Coverage premium depends on vehicle's make, model, year, value and driving records.
Best for:
Drivers who want to protect their own vehicle,
especially if it’s financed or leased.
Which One Should You Choose?
If you own your car outright and want to save money, liability might be enough.
If your car is financed or leased, or you want full protection, go for full coverage.
3 Ways to provide documents
ā
Come to our Office: ā
127-03 Rockaway Blvd South Ozone Park, NY 11420
ā
Text or Whatsapp (516) 218-1161
ā
E-mail: Team@ljhubinsuranceagency.com
āNo Claim Handling Fees!
ā
#1 Customer Service in New York!
Quote Anchor
bottom of page