J & S Coverage Inc

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For over 20 years, J&S Coverage works with several companies to find the right coverage to meet your specific needs. Located at the heart of China town in New York City, we are not only serving client in NY metropolitan area but also long island, New Jersey and Connecticut areas. We provide English, Mandarin and Cantonese language services. We are carriers for Travelers, Progressive, countrywide, Insurance Company of Hannover, CAN, Diamond State Insurance, Tower Insurance, Public Service Mutual, Security Mutual, Utica First'etc. Our Services include Automobile, Travel, Life and Home insurance for Your Personal need Group Health, Workers' Compensation, General Liability, Building and Commercial Auto/Garage for business institutions. We provide professional service, quick turnaround, fast quotations, and low rates for your insurance needs. Please feel free to contact us and get a free insurance quotes, Liability Coverage, You'll be required by state law to purchase a minimum amount of some or all of the following types of liability coverage: Bodily injury liability: Protects your assets if you are held liable for an auto accident in which other people are injured or killed. Property damage liability: Covers repairing or replacing the autos or other property of other people. Uninsured/underinsured motorist coverage: Unless you live in a "no-fault" state ( where your own insurance will cover your losses ), this coverage insures you against losses caused by other drivers with little ( underinsured ) or no ( uninsured ) auto insurance. To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required in your state. Collision, other-than-collision, and medical payments coverage's, Although these types of coverage are optional in most states, it often makes sense to purchase them, unless you can afford to pay for damages yourself. Collision: Pays to repair or replace your car if it's damaged in an accident. Other-than-collision ( also known as comprehensive ): Insures your car against damage caused by something other than an auto accident ( e.g., theft, fire, flood, vandalism ). Medical payments or personal injury protection: Covers various medical expenses not covered by your health insurance or your passengers'. Here are some things you'll always need to cover yourself: Deductibles: The amount of money that you've agreed to pay out of your own pocket before your insurance coverage steps in. Exclusions: Events or situations your policy specifically omits from coverage, such as property damage or personal injury you intentionally cause to others, or damage to your own car due to mechanical failure. Costs above limitations: Any expenses for which you're responsible that exceed the caps on the dollar amounts of coverage you're entitled to receive under your policy. TRAVEL INSURANCE Plan Types, There are many types of insurance for the world traveler and choosing the right plan can be confusing. Becoming familiar with the basic types of plans and the specialized terms will make it easier to compare plans, and ultimately choose the right plan for your needs. Often people think travel insurance means flight accident insurance, i.e., the kind of insurance that pays the insured or its beneficiary a lump sum when an airplane accident results in death or serious injury. Flight accident insurance plans are commonly found at airports and they pay substantial sums to accident victims and their families. However, there are two other primary types of travel insurance that are designed to reduce the financial risk posed by unforeseen medical expenses and other crises that can confront international travelers. Although the distinctions can be blurred between the two types of plans, they are generally categorized separately as international medical insurance and travel protection plans, both of which may be offered in single-trip, multi-trip, or renewable versions. International Medical Insurance is short