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Automobile Insurance

Automobile Insurance

If you own a car, auto insurance is a necessity. Let William Orband Inc. ensure you have the correct coverage to fit your specific needs. Auto insurance is mandated by the state and is designed to protect the insured against automobile related losses. Although New York state requires a minimum amount of coverage, different coverages can still be purchased to personalize your policy. There are four major categories of automobile insurance: Personal Injury Protection (PIP), Liability coverage, Uninsured/Underinsured Motorist Protection, and Physical Damage. Each category should be tailored to fit you, depending on your personal needs and wants.

Coverage Tips

To properly protect yourself, you should carry limits of at least $100,000 / $300,000 / $100,000 (split limits) or $300,000 (single limit) for your liability coverages.

There are many drivers out there that won’t have adequate coverage to ensure you’ll get all the money you deserve. Uninsured motorist coverage protects you against this. We recommend at least $100,000 worth of uninsured motorist coverage.

Full glass is an optional coverage that we recommend to all our customers. For just a minimal increase in premium, you get necessary glass coverage that will protect you against expensive glass losses.

Before buying auto insurance, you should have a good understanding about what kinds of coverages are available to you. It is also important to know what coverage is mandated by the State of New York. Below is a chart that briefly describes the basic options available to you.



Personal Injury Protection (PIP)

PIP is also known as No-Fault Insurance. Required by New York State Law to have at least $50,000 worth of coverage to pay for medical expenses, loss of income, and other miscellaneous expenses regardless of fault. This coverage provides such benefits as medical expenses, loss of income up to $2,000 a month or 80% of your current monthly income (whichever is less), other reasonable expenses up to $25 a day, and $2,000 in death benefit.

Optional Basic
Economic Loss (OBEL)

Should your PIP protection be used up, this coverage provides the extra amount you need above the PIP limit.

Bodily Injury Liability

Required by NY State Law to have at least $25,000/$50,000 split limits to protect you if you are responsible for an accident in which someone is injured or killed. The split limits mean that the insurance company will only pay up to $25,000 per person injured and up to $50,000 per accident. So if there is more than one person injured, the most you are covered for is $50,000.

Property Damage Liability

Required by NY State Law to have at least $10,000 worth of coverage to cover the damage your vehicle causes to someone else’s property, such as your car running into someone’s house or car.

Medical Payments

Medical payments insurance is coverage that reimburses you and your passengers (whether or not they are members of your family) for medical or funeral expenses stemming from an accident, regardless of who was responsible for the accident.

Statutory Uninsured Motorist

If you ever travel out of state, you should consider supplementary uninsured motorist coverage. This provides the same limits as statutory uninsured motorist, but it extends coverage to accidents that occur OUTSIDE of New York State.


Collision coverage reimburses you for damage to your own car resulting from impact with another car or an object, such as a house. This coverage is usually written with a $250 deductible, but may be higher or lower depending on your specific needs.

Other than Collision

This coverage reimburses you for damage to your auto not caused by a collision. Such losses include theft, hail, vandalism, or hitting an animal.

“Working with William Orband Insurance has been amazing. Bill is available 24 hours day to assist me with any issues. He got me the policy that best suited me and at the right price”

– Molly V. – Vestal, NY

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