Wednesday, December 26, 2018 14:33
Car ownership comes with plenty of recurring costs—maintenance, parking, tolls, and repairs. When money feels tight, it can be tempting to cut expenses anywhere you can, including insurance. If you’re trying to reduce costs, look for smarter options (like bundling policies) instead of letting coverage lapse. In New York, renewing Read More…
Wednesday, December 19, 2018 19:32
Car insurance in New York City is among the most expensive in the U.S. because insurers price for dense traffic, higher claim frequency, higher repair costs, and neighborhood-by-neighborhood risk. The good news: your monthly bill can vary dramatically by ZIP code, vehicle, and coverage choices—so a smart quote process usually Read More…
Friday, November 23, 2018 15:33
If you’re asking “Can I get car insurance after an accident?” the honest answer depends on what you mean. You can usually buy a new policy after a crash (to protect you going forward). But you generally can’t buy a policy today and have it pay for an accident that 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…
