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Why Do I Need NY Car Insurance?

Besides the fact that driving without insurance in New York State is a criminal offense, going without coverage leaves you exposed for great financial loss whether you are at fault in an accident or not. You need car insurance not only to protect against injuring someone else but also to protect yourself from being injured […]
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What Is A Hard Market for Auto Home and Business Insurance?

The insurance market is cyclical and fluctuates over time between a soft and hard market for all lines of business such as auto, home and business insurance. Hard Insurance Market A hard market in the industry is experienced when premiums rise along with a tightening of underwriting guidelines making it more difficult to get a […]
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What Exactly Is Full Coverage NY Car Insurance?

There is no specific “Full Coverage” definition when it comes to NY car insurance but most in the industry would consider it as people who carry the State required liability protections along with comprehensive and collision coverage. Full coverage disputes sometimes arise between policy holders and insurers as it relates to “add-on” coverages for endorsements […]
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Comprehensive Way To Reduce Your NY Auto Insurance Premium

Most people who have NY car insurance are aware of Comprehensive and Collision Coverage but most don’t know what they actually cover.  A better understanding of each can help you to determine the risk and reward of either increasing deductible amounts or even dropping coverage to save on your policy premium. What Does Collision Coverage […]
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Who Is The Top NY Insurance Company For Your Vehicle Coverage?

The fact of the matter is, there is no one top insurance company for everyone’s NY auto policies. Insurers can vary widely in overall price and coverage based on the underlying rating factors present for any particular person or household. NY insurance companies tend to differ amongst themselves in the amount of emphasis placed on […]
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NY Multi-Policy Insurance Can Provide A Bundle Of Benefits

A multi-policy or insurance bundle is when you carry more than one type of insurance policy with the same insurer.  For most people, that means bundling your auto and home or renters insurance but a bundle can also include policy types such as umbrella, motorcycle, boat, RV, snowmobile, ATV, and more. Two Major Benefits Of […]
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Why Are Roadway Fatalities Increasing As Vehicles Become Safer?

It would seem rather counterintuitive that as cars and trucks become safer that roadway fatalities continue to rise, but that is exactly what is happening. Almost 43,000 people died in motor vehicle accidents in 2021, that’s a 10 percent increase from the year prior and worst yet, the highest rate since 2005 per federal data. […]
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How Much Liability Coverage Do I Need On My NY Car Insurance?

The more you have to lose, the more liability coverage you need on your NY car insurance policy.  As opposed to property damage which presents a finite loss potential, injury or liability loss potential is virtually infinite. In New York State, the required minimum coverage for Bodily Injury Liability coverage is $25,000 per person/ $50,000 […]
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Does My NY Car Insurance Cover Other Drivers?

In New York State, your car insurance policy follows the car and not you as the driver, so it does cover other drivers. This holds true for NY specific coverage requirements of bodily injury liability, property damage, personal injury protection (PIP) and supplementary uninsured/underinsured motorist protection (SUM). What If Someone Borrows My Vehicle and Causes […]
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