Wednesday, January 23, 2019 21:58
New York City has a bigger driving reputation than almost any other U.S. metro: aggressive lane changes, horn symphonies, gridlock, and parking headaches. But “worst city to drive in” depends on what you’re measuring. To judge how tough NYC driving really is, it helps to separate three different topics: At Read More…
Friday, January 18, 2019 16:53
College in New York comes with plenty of expenses—tuition, books, housing, and everyday living costs. If you drive, finding a smart auto insurance setup (not just the lowest price) can make a real difference for college students on a budget. Note: Rates and discounts vary by insurer and by driver. Read More…
Wednesday, January 16, 2019 18:09
Car accidents can create expensive, long-lasting problems—from medical bills and missed work to lawsuits and vehicle repairs. The right auto insurance helps protect your finances when a claim happens. New York sets specific minimum coverage rules to register and keep a vehicle on the road. While some drivers look for Read More…
Monday, January 14, 2019 15:49
An auto insurance claims adjuster is the person (or team) who investigates a claim, reviews your policy, and evaluates damage or injuries so the insurer can decide what it owes. Depending on the situation, you might work with a company (staff) adjuster, an independent adjuster hired by the insurer, or—less Read More…
Friday, January 11, 2019 20:03
In auto insurance, a deductible is the amount you agree to pay out of pocket on a covered claim before your insurer pays the rest (up to your policy limits). The New York State Department of Financial Services (DFS) explains deductibles this way for auto physical damage coverages. This guide Read More…
Wednesday, January 09, 2019 18:38
In most families, the real question isn’t “Does New York law require me to add my child?”—it’s “Will my insurer consider my child a driver who should be listed on the policy?” If a child is licensed (or regularly learning to drive) and has access to your vehicles, many insurers Read More…
Monday, January 07, 2019 14:55
After a crash, it’s easy to miss deadlines or forget key details that your insurer will need. The checklist below walks you through what to do right away, how to file no-fault and vehicle damage claims in New York, and what to do if an insurer delays or denies part Read More…
Friday, January 04, 2019 3:12
Yes, your auto insurer can raise your premium after an accident—but in New York there are meaningful limits on when an accident can be treated as “chargeable” for a surcharge. Also, not every post-accident increase is a surcharge: some increases come from losing discounts, changing tiers, or an overall rate Read More…
Wednesday, January 02, 2019 22:34
In New York, people often say “DUI,” but state law and the DMV generally use terms like DWI (Driving While Intoxicated) and DWAI (Driving While Ability Impaired). Either way, an alcohol- or drug-related conviction is one of the most expensive marks you can add to your driving history—because it can Read More…
Wednesday, January 02, 2019 15:18
Getting licensed is a huge milestone—but it can also be a financial shock. After you’ve navigated the steps to get a new driver’s license, bought a car, and started shopping for coverage, you’ll quickly notice that premiums for teens and early-20s drivers can be much higher than for experienced drivers. Read More…