Hayes Agency Inc. Complete Insurance Service serving Tully and Surrounding Communities since 1898
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Auto Insurance


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Auto Insurance Auto insurance keeps your car and your person protected in case of an accident. Whether your car is damaged by fire, an accident with another car, by theft, an accident, by theft, or other hazards on the road, auto insurance will compensate you for your loss.

In New York State auto insurance is required to register and operate a vehicle. The law mandates a minimum amount of liability insurance for a vehicle, but the minimum is generally not enough to cover a driver and his or her assets. An important part of an auto insurance plan, is that it sufficiently protects your unique financial position.
  • Liability Coverage
    Liability coverage is what protects other people from accidents you may cause. New York State mandates you to purchase liability coverage. This coverage protects others against the damage you may cause but it does not protect you or your car.

  • Personal Injury Protection
    Personal Injury Protection provides coverage if you are hurt in a vehicle regardless of who is at fault.

  • Collision Coverage
    Collision coverage protects your vehicle if you collide with a car or an immoveable object; this does not include animals, such as deer. If you are taking out an auto loan to purchase a vehicle most lending institutions will require you to purchase collision insurance so you can still pay off the loan even if you are in an accident.

  • Comprehensive Coverage (other than collision)
    Comprehensive coverage protects against other causes of loss such as theft, fire, hitting an animal (deer), or flying object.
Every situation and every policy is unique. Let us review your policy and make sure it truly meets your needs. If you need new or different coverage, we will help you get a policy that will provide you with better coverage.



  Copyright 2000-2013 Hayes Agency Inc. All Rights Reserved.
Phone: 315-696-5714   Fax: 315-696-8954
Email: contact@hayesagency.com   Website: www.hayesagency.com


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