Auto Coverage

Protect Yourself, Your Car, Your Family and Your Assets

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Auto insurance packages together property protection and liability insurance (which comes into play if you are sued in connection with an automobile accident).

Especially for the many professionals we insure, it is critical that auto insurance is not purchased based solely on policy price. Professionals need to select the right levels and types of coverage to protect themselves from the many risks life presents.

Sellers & Co.’s knowledgeable representatives can explain the different coverages combined in your auto policy and help you select the coverage you need. Sellers & Co. represents several highly rated auto insurance carriers and can help you determine which of these carriers offers protection best suited to your needs.

 

 

What Does Auto Insurance Cover?

  • Bodily Injury Protection

This protects you when you are held legally responsible for an automobile accident that causes bodily injury or death to another. This coverage also covers legal defense costs for auto injury claims made against you. This coverage is often provided as a “split limit” – for example, $250,000/$500,000. The first number is the maximum limit for one injured person; the second number is the maximum limit for all persons injured in one accident.

  • Property Damage

This covers you, up to the stated limit, if you are liable for damage to the property of others caused by your auto. This could include such things as other autos, telephone poles and damage to buildings.

 

  • Uninsured/Underinsured Motorists Coverage

This important coverage pays for financial losses for bodily injury or death for you and any passengers in your auto, up to the stated limits, if you are in an auto accident caused by a driver who is uninsured or insured at a low level. We recommend that you match this coverage to the amount of Bodily Injury coverage you have, so that you are protected to the same degree that you are protecting others.

 

  • Personal Injury Protection (PIP) / No-Fault

This coverage pays, up to the policy’s limits, for the costs of personal injuries in an auto accident, regardless of fault. We recommend that you maximize the amount of PIP coverage you carry.

 

  • Medical Payments

This part of your policy pays medical expenses directly resulting from an auto accident on a no-fault basis.

 

  • Collision

This is property coverage that pays for damage to your auto, less your deductible, for losses caused by collision.

 

  • Comprehensive

This property coverage pays for damage to your auto, less your deductible, for other damage, such as that caused by theft, fire, glass breakage, or hail.

 

We Also Provide Insurance for Classic & Antique Cars!
This is another form of auto coverage. Call our office for details.

 

The Sellers & Co. Advantage

At Sellers & Co., we help many professionals and their families obtain auto insurance. Many of our customers tell us that they like being able to insure their home and auto with the same agency that they trust for their disability, life, and business insurance. Our top-notch service extends to our homeowners and auto policyholders as well.


(Information provided is a summary only. For complete terms and limitations, please refer to the applicable Certificate or Policy of Insurance. Specimen copies available upon request.)

 

Travelers Benefits Plus Personal Lines Program
For Members of Our Sponsoring County & District Medical Societies

 

With Travelers Benefits Plus Program, you receive the high quality coverage and claims service provided by Travelers, along with discounts based on your membership in your County/District Medical Society!

  • 7% Discount on Homeowners Insurance
  • 5% Discount on Auto Insurance
 
  • "Recently I have had to use your disability insurance. The process was smooth and swift - the personnel were responsive and caring."

    AF, Physician, New York, NY

  • "I also have disability policies with some other companies, and I would like to emphasize that the caring and consideration afforded me by the Sellers Agency was markedly better."

    SB, Physician, Brightwaters, NY

  • "I had to use the Benefits once, and Your Company is unreal! The best experience I've ever had!…You people are there before and after!!"

    GN, Civil Service Employee, Corfu, NY

  • You are very efficient, courteous, and pleasant to deal with. Don’t change!”

    SM, Physician, New York, NY

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