Sunday, October 13, 2019 4:22
A hit-and-run can leave you with vehicle damage, medical bills, missed work, and very little information about the driver who caused the crash. In New York, your own policy may still help, but the coverage that applies depends on what was damaged, whether anyone was hurt, and which optional coverages Read More…
Thursday, October 10, 2019 5:49
Accidental death and dismemberment insurance, often shortened to AD&D insurance, is a supplemental type of insurance that pays a cash benefit after a covered accidental death or certain severe accident-related injuries. It is commonly offered through workplace benefits, sold as a rider on a life insurance policy, or packaged with Read More…
Wednesday, October 09, 2019 3:19
New York’s required auto insurance is a starting point, not a full protection plan. As of 2026, most private passenger vehicles must carry at least $25,000/$50,000 in bodily injury liability, $50,000/$100,000 for fatal-accident liability, $10,000 in property damage liability, $50,000 in no-fault Personal Injury Protection (PIP), and $25,000/$50,000 in uninsured Read More…
Friday, August 23, 2019 13:58
As of 2026, the New York DMV lists the state minimum for property damage liability at $10,000 per crash, and the New York Department of Financial Services explains that no-fault does not pay to repair your car or the other driver’s car. That means a parked-car claim can still leave Read More…
Thursday, August 22, 2019 14:33
If you work for New York State, you may be able to save on auto insurance—but usually not through one automatic statewide discount. As of 2026, the more realistic paths are employer or union affinity programs, payroll-deduction arrangements, and the standard New York discounts that apply to any eligible driver. Read More…
Monday, August 19, 2019 20:29
Buying a used vehicle can save money, but your insurance decision still needs to fit the car you are actually driving. In every state, the smart approach is to match coverage to the vehicle’s value, your budget, and whether the car is financed. Before you pick a policy, make sure Read More…
Saturday, August 17, 2019 14:52
If you want to lower your premium without cutting protection, anti-theft technology is worth a closer look. As of 2026, the New York Department of Financial Services says auto insurers in New York must provide discounts for anti-theft devices and window-glass VIN etching. That does not mean every device earns Read More…
Friday, August 16, 2019 15:04
For New York drivers, the best roadside assistance plan depends on how and where you drive. A Manhattan commuter may care most about fast lockout help and short tows, while an upstate family may need longer towing limits, nationwide coverage, and stronger trip benefits. If you are still sorting out Read More…
Thursday, August 15, 2019 23:11
Sometimes, yes—but not automatically. In most cases, a standard auto policy will not pay for a tow after a mechanical breakdown unless you added towing and labor or a roadside assistance endorsement. A tow may also be covered when it is part of a covered collision or comprehensive claim, but Read More…
Wednesday, August 14, 2019 14:27
Accident forgiveness can be worth buying, but only in the right situation. It makes the most sense when one at-fault claim would noticeably strain your budget, you expect to stay with the same insurer, and the added cost is modest. For many drivers, the better first step is understanding how Read More…
