Month: January 2024

At Fenzl Insurance Agency in Hamburg NY, we are independent insurance agents, which means we are not tied to only one insurance carrier. Our customers benefit from more choices and potentially better deals. 

Liability coverage

Liability coverage protects other drivers from you. It covers injuries to both other people and property. It is required coverage in New York and most other states. 

Comprehensive coverage

Comprehensive coverage is called non-collision coverage, even though it does cover collisions with a deer or other large animal. It also covers theft and vandalism, flood, hail damage and other things other than a vehicle that can damage your vehicle. 

Collision coverage

Collision coverage covers your vehicle in the event you are responsible for a collision. This can be with another vehicle or with a stationary object. It will also protect you from damage that results from a hit-and-run. 

Gap coverage

If you have a relatively new vehicle and an auto loan, you might get a nasty surprise if your vehicle is totaled. What could be worse than ending up owing money on your loan when you get your insurance payout?  Gap insurance covers that gap. 

Full Glass coverage

Glass coverage is usually included with comprehensive coverage with a deductible. If you opt for full glass coverage, you won’t have to pay the deductible. 

Roadside assistance

Roadside assistance coverage provides the same basic services that are offered by auto club plans. It provides tow service as well as help when you have a flat or a dead battery. 

Rental coverage

When your vehicle is damaged in an accident that you are responsible for, you will need to have a way to get around, and this coverage will take care of that for you. 

We Are Here To Help

Contact Fenzl Insurance Agency in Hamburg, NY when you need our assistance with your auto insurance.