Thursday, April 04, 2019 13:03
Hitting a pothole can bend a wheel, blow a tire, or knock your alignment out in a split second. Whether your car insurance pays depends less on the road and more on the coverage you chose—especially collision coverage. At a Glance When Pothole Damage Is Covered In most cases, pothole Read More…
Wednesday, April 03, 2019 14:40
In most situations, car insurance follows the vehicle—not the person driving. That means if you borrow someone’s car (with permission) and cause a crash, the vehicle owner’s policy is usually the first one in line to respond. Example: You and friends head upstate for a weekend ski trip. Your friend Read More…
Saturday, February 23, 2019 17:50
Buying (or inheriting) a classic or collector car is part passion project, part investment. The insurance piece matters because a standard auto policy often values cars differently than collector car programs do—especially after a total loss. This guide explains how classic car insurance works, what most collector programs require, and Read More…
Thursday, February 21, 2019 18:24
Will this affect my rates? It’s the most common question drivers ask after an accident, a ticket, or any kind of claim. In most cases, the answer is yes—your driving record (and your overall insurance history) can influence what you pay at renewal and when you shop for a new Read More…
Wednesday, February 20, 2019 16:46
Planning a road trip outside New York? In most cases, your New York auto insurance follows you across state lines—but a few details can affect how a claim is handled (and what paperwork you may need). At a Glance Does New York Car Insurance Cover You Out of State? Generally, Read More…
Tuesday, February 19, 2019 17:21
An auto insurance “lapse” is a gap in liability coverage. In New York, the biggest issue is whether a registered vehicle has continuous New York State auto liability insurance—because the DMV can suspend (or revoke) your registration and, in some cases, your driver license if the vehicle is registered but Read More…
Monday, February 11, 2019 19:35
Choosing between a 6-month and 12-month auto insurance policy usually comes down to how often you want to revisit your price, discounts, and coverage. Both term lengths can include the same core protections (liability, comprehensive, collision, medical payments/PIP, uninsured motorist, and optional endorsements), but the renewal cadence affects how frequently Read More…
Tuesday, February 05, 2019 16:35
Car insurance in New York City is often priced higher than many other parts of the state because insurers file rates based on local claim patterns, repair costs, theft risk, and where your vehicle is garaged. If you want the “why,” start here: why NYC car insurance is so expensive. Read More…
Saturday, February 02, 2019 14:34
Auto insurance pricing in New York isn’t “one-size-fits-all.” Carriers file rates and rating rules that typically use your garaging address (often down to the ZIP code/territory level) to reflect local claim risk—things like traffic density, theft and vandalism rates, repair costs, and how frequently claims occur. If you’re trying to Read More…
Saturday, January 26, 2019 16:37
Most drivers worry about being “dropped” after an accident, a few tickets, or a string of claims. The reality is more nuanced: insurers usually don’t cancel mid-policy unless a specific issue comes up (like nonpayment or application problems). More often, they choose not to renew at the end of the Read More…