Thursday, June 06, 2019 14:58
Car vandalism can include keyed paint, broken glass, spray paint, stolen emblems, or other intentional damage. That risk can feel higher in dense metro areas, which is one reason car insurance costs in New York can be challenging for many drivers. Whether the damage is covered depends on the type Read More…
Wednesday, June 05, 2019 22:36
The Motor Vehicle Accident Indemnification Corporation (MVAIC) is a New York safety-net program created by the Legislature in 1958 under Article 52 of the Insurance Law. It can step in as a last resort when someone is hurt in a New York crash, has no other auto insurance available, and Read More…
Monday, June 03, 2019 18:20
A serious car crash can trigger medical costs, missed work, and long-term pain. If someone else caused the collision, you may be able to pursue compensation beyond insurance—especially when you’re facing high medical expenses after a crash. But timing matters: New York law sets strict filing deadlines (statutes of limitations), Read More…
Wednesday, May 22, 2019 20:57
After an accident, many drivers see their car insurance premium increase at the next renewal. That’s because insurers price policies based on risk—and a recent claim (especially an at-fault claim) is one of the strongest signals that future losses could be more likely. The exact increase depends on your state’s Read More…
Tuesday, May 21, 2019 14:45
Car insurance prices vary a lot by state, and New York is consistently among the most expensive places to insure a vehicle. That isn’t just “New York is pricey” in general—auto rates are driven by how often claims happen, how severe they are, and what state laws require insurers to Read More…
Tuesday, May 14, 2019 15:06
The New York Point and Insurance Reduction Program (PIRP) is the DMV-approved defensive driving (crash prevention) course that can help you drive more safely and unlock two practical benefits: a point reduction for certain DMV calculations and an insurance discount. Below is what PIRP does (and doesn’t do), how it Read More…
Thursday, May 02, 2019 15:01
A peaceful drive can turn into a costly headache when road debris chips or cracks your windshield. In New York, the big question is usually the same: Will insurance pay, and will I owe a deductible? Below is a practical guide to how windshield damage is typically handled under New Read More…
Wednesday, April 10, 2019 14:16
Auto insurance prices can rise even when you’ve been driving carefully—because insurers also react to broader trends like repair costs, medical costs, theft, weather losses, and local crash frequency. The good news is that many carriers offer a good driver (safe driver) discount that can help offset those increases if Read More…
Monday, April 08, 2019 22:30
Young drivers often face the highest car insurance premiums because insurers see more frequent (and sometimes more severe) claims in the teen and early-20s age range. Rates can begin to stabilize with more driving experience, and many families also notice changes as drivers approach their mid-20s (learn more: do rates Read More…
Friday, April 05, 2019 13:11
Animal-related car damage is more common than many drivers expect—especially in New York, where deer, raccoons, and smaller wildlife can appear without warning. The good news: many animal-related losses are insurable, but the coverage type matters. Below is how animal damage typically works on an auto policy, when a deductible Read More…