Wednesday, December 26, 2018 14:33
There are many expenses and responsibilities involved in owning a car in any state but in New York City this is even more of an issue for most people. You check the oil, make sure there is gas in the tank, and ensure all the tires are still on. The Read More…
Wednesday, December 19, 2018 19:32
New York City is world-renowned for many reasons. Everyone is aware of its many landmark buildings and famous sights. The city, however, is changing. Williamsburg’s six-acre Domino Park, for example, has transformed from an industrial sugar refinery into a sprawling waterfront playground of volleyball courts, complete with a taco and Read More…
Friday, November 23, 2018 15:33
In most states in the USA, driving without insurance is illegal. Having insurance means that you are assuring the state that you can pay for the damages in case of a collision that you caused. But if you do not have insurance coverage, it means you will likely have to Read More…
Friday, November 23, 2018 15:09
A “blown engine” usually means a major internal failure (seized engine, thrown rod, cracked block, or severe overheating) that makes the vehicle unsafe or impossible to drive. The big question is whether it happened because of a sudden, covered event—or because the engine simply wore out over time. In most Read More…
Thursday, November 22, 2018 14:50
Rust is one of the most common (and frustrating) forms of vehicle damage—especially in places that see road salt, coastal air, and frequent rain. The tricky part is that auto insurance is designed for sudden, accidental losses, not gradual deterioration. Below is how most auto policies treat rust, when a Read More…
Wednesday, November 21, 2018 17:05
If you’re buying a vehicle that already has dents, scratches, or other issues, it’s smart to understand how auto insurance treats pre-existing damage. This comes up a lot when you’re figuring out how to insure a used car and trying to avoid costly surprises. And in New York (and most Read More…
Monday, November 19, 2018 21:11
If you’re a car owner, keeping active auto insurance is required in New York (and in most states). The challenge is that many policies ask for money up front—right when you’re juggling registration, repairs, or other bills. The good news: “low down payment” coverage is usually achievable if you understand Read More…
Saturday, November 17, 2018 16:43
Yes—it’s possible to carry car insurance even if you don’t own a vehicle. The most common option is a non-owner auto policy (sometimes called a “driver” policy). It can help protect you when you rent or borrow cars, especially because auto insurance usually follows the car first. Important: Coverage rules Read More…
Thursday, November 15, 2018 23:23
Self-insuring your car means you’re choosing to pay losses yourself instead of transferring risk to an insurance company. In practice, it usually requires (1) meeting your state’s “financial responsibility” rules and (2) having enough cash flow and assets to handle claims, legal defense, and judgments. For most drivers, “self-insuring” isn’t Read More…
Saturday, October 20, 2018 17:33
Even careful drivers can end up in a crash—weather changes, traffic stops short, or one quick distraction turns into a collision. If you’re in an accident in New York and it’s determined you were at-fault, the consequences usually involve two separate tracks: (1) no-fault benefits for injuries, and (2) liability Read More…