Thursday, January 30, 2020 16:25
Yes, it is possible to pay for car insurance coverage that provides relatively little value for your situation. But having higher liability limits does not automatically mean you have “too much” insurance. The better question is whether each coverage, limit, and deductible on your policy provides enough financial protection to Read More…
Monday, January 27, 2020 12:56
If you buy a new car in New York, do not assume you automatically have 30 days to insure it. An existing auto policy may temporarily extend coverage to a newly acquired vehicle, but the exact notice period, eligible vehicles, and coverages depend on the terms of your policy. New Read More…
Friday, January 24, 2020 16:28
If your car insurance has become difficult to afford, act before the policy lapses. New York requires liability insurance on a registered vehicle, and driving uninsured can lead to serious financial and licensing consequences. The good news is that there are several ways to reduce your premium without immediately giving Read More…
Thursday, January 23, 2020 17:15
Having enough car insurance is about more than meeting New York’s legal minimums. The right amount of coverage should protect you from accident-related costs that could otherwise come out of your own pocket, while still fitting your budget. For many drivers, that means considering higher liability limits and deciding whether Read More…
Thursday, January 02, 2020 17:33
Police officers in New York may qualify for car insurance discounts, but there is no universal “police officer discount” that every insurer offers. Some insurers offer occupation-based savings, while others provide discounts or premium reductions based on employer, professional affiliation, driving history, vehicle features, or participation in approved driving programs. Read More…
Thursday, January 02, 2020 12:13
Military members, veterans, and some military families may qualify for special car insurance savings in New York. However, there is no single statewide military discount, and New York does not require every insurer to offer one. The New York State Department of Financial Services (DFS) lists military members among the Read More…
Tuesday, December 31, 2019 17:10
If you pay your car insurance bill late in New York, your policy is not necessarily canceled immediately. An insurer may charge a late fee, and continued nonpayment can eventually lead to cancellation. However, New York law provides important protections before a personal auto policy can be canceled for nonpayment. Read More…
Monday, December 30, 2019 22:44
If you drive a vehicle registered in New York, you need more than an active auto insurance policy—you also need access to acceptable proof of insurance when it is required. New York drivers can generally use a New York State Insurance Identification Card in either paper or approved electronic form. Read More…
Friday, December 13, 2019 16:43
Going paperless can be an easy way to save on car insurance, but the discount is not universal. Some insurers offer a paperless discount when you agree to receive policy documents and bills electronically, while others may offer separate discounts for automatic payments, electronic signatures, paying in full, or buying Read More…
Thursday, December 12, 2019 16:32
Yes, car insurance can pay medical bills after an accident in New York. In fact, New York requires most auto policies to include No-Fault insurance, also called Personal Injury Protection (PIP), which provides up to $50,000 per person in basic economic loss benefits for eligible accident-related medical expenses, lost earnings, Read More…