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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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

If you have been thinking that auto, home and business insurance premiums have been rising rather significantly over the past couple of years, you are not mistaken, most insurers have increased rates in all areas due to heavy claim losses. Even though most people have been experiencing the higher price of insurance, there are many […]

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 […]