The Burns Agency

The Burns Agency
Insurance Services Since 1919

29 West Park Row, PO Box 363, Clinton, NY 13323-0363
Phone: 315-853-5052 Email: insure@burnsagency.com

Proud sponsor of:

N.K. Burns & Sons, Inc.

Home

*Emergency*

Insurance Products
Automobile
Homeowner
Misc Coverages
Life
Commercial

Online Services
Coverage Quote
Policy Management and Claim Reporting
Company Links

About Us
Our Staff
Contact Us
Community

Information
Insurance Tips
Newsletters
Glossary
Risk Management
Helpful Links

Insurance News
AARP Members
News Archives...

Request an Auto Insurance Quote.

*NEW* Instant Auto Insurance Pricing with a few of our companies.

Driving provides every individual a sense of freedom, but with every freedom there are responsibilities. The most important responsibility while driving is the safety of yourself, of your passengers, fellow drivers and your surroundings. Auto insurance helps you live up to that responsibility by ensuring your ability to cover the expense of potential damages or injuries.

Auto insurance also protects the investment in your vehicle and offers a means to manage unexpected expenses due to an accident, vandalism or theft. After all, an accident is just that, an unplanned event.

Auto insurance is divided into several types of coverage:

General liability covers damage you cause to other people's property (property damage) and injuries to the people themselves (bodily injury), including the cost of your legal defense.

Collision covers damage to your own vehicle resulting from overturning or collision with another vehicle or object.

Comprehensive covers damage to your vehicle by fire, break-ins, vandalism or theft, as well as natural disasters (earthquake, hail, hurricane, flood, etc.), falling objects and collision with an animal.

Medical payments insurance, usually in the range of $5,000 to $10,000, covers medical expenses for injuries. This "good-faith" coverage guarantees immediate medical payments for you, your passengers and other parties, regardless of who is at fault. It also covers you and members of your household in any accident in your car or as a pedestrian.

No-fault (Personal Injury Protection) covers medical expenses, rehabilitation and lost wages for you, your passengers and pedestrians regardless of who is at fault.

Uninsured motorist and Underinsured motorist coverage protects you if you are injured in an accident with others who themselves carry insufficient or no liability insurance. This can include damages such as pain & suffering.

Extra coverages include expenses for towing, labor, temporary replacement vehicles, etc.