HML Insurance
Automobile Insurance
Automobile Insurance
The right auto insurance does more than meet state requirements. It protects you, your family, your passengers, and your financial stability when accidents happen. Whether you drive daily through Westchester County, commute across New York, or simply want dependable coverage for peace of mind, Hallahan, McGuinness, & Lorys Ltd. is here to help you understand your options and choose the protection that fits your life.
As an independent agency, we work with multiple top rated carriers so you get competitive pricing and coverage that actually reflects how you drive.
What Auto Insurance Covers
A strong auto policy typically includes:
• Liability Coverage
Covers injuries and property damage you may cause to others in an accident.
• Collision Coverage
Helps repair or replace your vehicle after a collision with another vehicle or object.
• Comprehensive Coverage
Protects against non collision incidents like theft, vandalism, falling objects, animal strikes, or weather damage.
• Uninsured and Underinsured Motorist
Covers you if the other driver doesn’t have enough insurance or has none at all.
• Medical Payments or Personal Injury Protection (PIP)
Helps with medical expenses for you and your passengers, regardless of who is at fault.
• Roadside Assistance and Towing
Optional add ons that help with breakdowns, flat tires, lockouts, and towing needs.
• Rental Car Reimbursement
Covers the cost of a rental vehicle if your car is being repaired after a covered claim.
We walk you through each option so you know where you’re protected and where gaps might exist.
Who Needs Auto Insurance?
Anyone who owns or regularly drives a vehicle needs a reliable auto policy, including:
• Commuters
• Families with teen drivers
• Multi vehicle households
• Retirees
• Drivers with leased or financed vehicles
• Households bundling home and auto for better pricing
Whether you’re insuring one car or several, we help you build a policy that follows state requirements while aligning with your real needs.
Why Work With HML?
Auto insurance pricing can vary widely between carriers. As an independent agency, we shop multiple companies so you receive the strongest value without cutting corners on protection.
We help you:
• Compare rates across trusted carriers
• Understand deductibles, limits, and discounts
• Review claim history and how it affects pricing
• Bundle home and auto policies for potential savings
• Add new drivers or vehicles as your family grows
• Navigate claims with real support when it matters
You get local service with national carrier options, plus a team that’s been advising families since 1988.
Discounts You May Qualify For
Many carriers offer discounts such as:
• Safe driver
• Multi vehicle
• Home and auto bundle
• Good student
• Defensive driving course
• Low mileage programs
• Safety features (airbags, anti theft, etc.)
We help you take advantage of every discount available.
Get a Quote
Whether you’re buying a new car, reviewing your current policy, or looking for better coverage, our team is here to help.
Have questions? Call us at 914-939-8895 and we’ll help you figure out the right fit.
Protect yourself, your family, and your vehicle with dependable coverage that fits the way you drive.