Thursday, October 04, 2018 18:41
Finding an empty parking spot where your car should be is stressful—and time matters. Whether your vehicle was taken from your driveway, a street spot, or a garage, the next steps you take can affect recovery and how smoothly your insurance claim goes. Below is a practical guide to what Read More…
Monday, September 24, 2018 22:16
Before you drive a new (or new-to-you) car in New York, you’ll need at least auto liability coverage that meets the state’s insurance requirements. (This is also why car insurance is mandatory.) Beyond the basics, you can add optional protections listed in our auto insurance coverage guide—including GAP insurance. GAP Read More…
Monday, September 03, 2018 22:37
Auto insurance pricing is based on risk and expected claim costs—not just one detail about you. Your age can influence rates, but it’s only one factor among many (including your driving record, the vehicle you drive, where it’s garaged, and how much you drive). So, do auto insurance rates go Read More…
Tuesday, August 28, 2018 16:22
Hurricanes and post-tropical storms can bring storm surge, flash flooding, falling debris, and high winds to parts of New York—especially coastal communities and low-lying areas. Superstorm Sandy (2012) is a reminder of how expensive vehicle damage can get: New York officials publicly estimated roughly $32 billion in losses statewide. Source Read More…
Monday, August 27, 2018 13:43
Flooding isn’t just a coastal problem in New York. Flash floods from heavy rain, storm surge near the ocean, and overflow from rivers and bays can all lead to expensive vehicle damage—especially for cars parked at street level, in low-lying neighborhoods, or in underground garages. For context, a 2013 New Read More…
Saturday, August 25, 2018 16:58
“Temporary auto insurance” usually means you need coverage for days or weeks—not a full policy term. In New York, true 1-day or 1-month standalone policies can be hard to find, but there are several safe, legal ways to get covered quickly (especially if you’re renting a car, borrowing a vehicle, Read More…
Friday, August 24, 2018 16:36
If you don’t own a car but still drive in New York (rentals, borrowed cars, car-sharing), a non-owner auto insurance policy can help protect you from out-of-pocket liability after an at-fault crash. Non-owner coverage is designed for licensed drivers who don’t have a vehicle titled/registered in their name. It can Read More…
Thursday, August 23, 2018 14:55
Renting a car in New York can be straightforward—until the rental counter asks if you want “coverage.” The right choice depends on what you already have (your auto policy, a credit card benefit, or neither) and what the rental agreement makes you responsible for. Below is a New York-focused guide Read More…
Saturday, August 18, 2018 16:57
New York requires you to carry New York State–issued auto liability insurance to register a vehicle. If you don’t maintain coverage, the DMV can suspend your registration and your driver license. For the official requirements, see the New York DMV insurance requirements page. That minimum coverage is a starting point—not Read More…
Tuesday, July 03, 2018 20:06
Rental reimbursement (often called “transportation expense” or “substitute transportation”) is an optional add-on that can help pay for a rental car or other temporary transportation after a covered claim. If you rely on your vehicle for work, family, or daily errands, it’s one of the easiest ways to avoid a Read More…