Auto Insurance


Even a minor fender-bender is enough to get your heart racing, and a more serious accident can feel downright devastating. That's why it's essential to have a reliable insurance partner on your side to cover you in such situations. At Tompkins Insurance Agencies, we provide extensive auto insurance coverage with several add-ons that will cover your legal and financial obligations while saving you from paying out of pocket.

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NY Car Insurance- Minimum Coverage Requirement

As a no-fault state, it is mandatory to carry no-fault insurance in NY. This policy will reimburse your medical expenses, lost income, and even funeral costs in case you succumb to your injuries. It will cover these expenses regardless of who caused the accident. However, it will not cover damage to your car.

Other than no-fault insurance, you also need to carry the following coverages:

  • Bodily injury liability- if you are found legally liable this covers you for injuries to others in accidents caused by you
  • Property damage liability- pays for damages caused to third-party property
  • Uninsured/ underinsured motorist- if the other driver has no insurance or is underinsured, you may collect for damages incurred through this coverage
  • Personal injury protection- covers your medical expenses, lost wages, and funeral costs and that of your passengers if either of you gets injured in an accident regardless of who is at fault

Optional coverages:

  • Collision- repairs/replaces your car after it hits another car or object or rolls over
  • Comprehensive- pays for damages caused by incidents other than collisions, such as fire, theft, etc. This coverage also pays for repairs due to a collision with an animal.
Auto Insurance

Why Choose Tompkins?

To protect yourself and your vehicle on and off the road, contact our team of experienced advisors at Tompkins Insurance Agencies today. We are quick to return calls and are well-versed in the insurance market to help you make an informed decision. From policy purchases to final claims, our agents have your back!