Auto Insurance

We offer coverage for commercial and personal autos. (Go to Personal Auto Insurance section)

Commercial Auto Insurance

Non-owned Auto

Provides liability coverage for vehicles you do not own when they are used by others in your business.

Hired Auto

Provides liability coverage for those vehicles you lease, hire, rent, or borrow.

Loading and Unloading

Provides liability protection for damage resulting from the handling of property during the loading onto or unloading covered vehicles.

Additional Insured

Provides liability protection for other entities you may work for or lease vehicles from.

CB Coverage

Provides coverage for permanently installed communications equipment.

Rental Reimbursement

Provides reimbursement for the cost of leasing a replacement vehicle based on your business needs and time period.

Drive Other Car

Provides coverage to the Insured and specified individuals in a business for vehicles rented, hired or borrowed.

 

 

Personal Auto Insurance

Protection for You and Your Family

Each of these coverages has a limit of liability (maximum amount we will pay for a claim). We will pay for claims in the coverage areas you select, subject to the terms of the policy.

Liability Coverage

Body Injury Liability Protection -

Provides coverage if you or a covered driver is legally liable in an auto accident in which others are injured or killed.

Property Damage Liability Protection -

Provides coverage if you or a covered driver is legally liable for damages to another's property resulting from an auto accident.

Personal Injury Protection Coverage

Provides coverage for injury, death, loss of services, and loss of income suffered by you, your covered passengers, or covered family members.

Medical Payments Coverage

Provides coverage for doctor, hospital, and surgical expenses incurred by you, covered family members, or your covered passengers riding in your covered auto.

Supplemental Uninsured Motorists Coverage

Provides coverage if you , covered family members, or you covered passengers are injured or killed in an accident involving a legally liable uninsured driver.

Underinsured Motorists Coverage is subject to state availability an provides coverage if you, covered family members, or your covered passengers are injured or killed in an accident involving a legally liable underinsured driver.

Protection for Your Auto

These coverages specify both a limit of liability and a deductible (amount you pay before coverage applies). We will pay for claims in the coverage areas you select, subject to the terms, conditions and exclusions of the policy.

Collision Coverage

Provides coverage for repairs to your insured vehicle up to the actual cash value, minus your policy deductible, if your auto is damaged in an accident.

Comprehensive Coverage

Provides coverage for damage to your insured vehicle caused by falling objects, fire, theft, vandalism, and many other non-collision losses. A deductible may apply to this coverage.

Customize Your Auto Policy with Additional Coverages

Additional coverages can provide you with extra protection. Be sure to ask your Doscher Farrell agent about additional coverages to help meet your unique needs. Some of the additional coverages we offer include:

• Rental Reimbursement
• Towing and Labor
• Sound System
• Tape Coverage
• Camper-Trailer

 

Complete your protection with an Allstate Motor Club Membership

One low yearly fee can provide you with towing and emergency road service, plus a host of other convenient benefits - just ask your Doscher Farrell agent.

 

You May Be Able to Save Money with Our Discounts and Special Rates

You can save even more on your premium of you qualify for any of our cost-cutting discounts or special rates. Some of the discounts and special rates available are:

• Safe Driver - offered to experienced drivers with excellent driving records who insure their primary residence with us.
• Multi-Line - offered if you insure your primary residence including, co-op, condominium, apartment or mobile home furnishings with us.
• Four Wheel Anti-Lock Brake Systems and Passive Restraint (Air Bags or Automatic Motorized Seat Belts) - offered if your car is factory equipped with any of these safety features.
• Good Driver Plan 0 available if you and your family members have good driving records.
• New Car - available for most newly purchased vehicles.
• Economy Car - available if you drive certain compact cars.
• 55 and Retired - offered if you are at least 55 years of age and retired.
• Utility Auto - available for most pick-up trucks.

 

Insurance coverage, rates and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.

Doscher/Farrell Insurance Associates
261 Fifth Avenue, Suite 1503
New York, NY 10016