Thursday, December 12, 2019 16:32
Car accidents can be devastating – not only can they result in property damage, but they can also cause serious injuries. Treating your injuries immediately after a car accident is important, but medical bills can add up quickly. Even if you have good health insurance, it may not cover all Read More…
Monday, December 09, 2019 13:12
Car insurance companies offer a number of discounts to their customers to encourage them to keep coming back. If you’ve been with the same car insurance company for years, you can actually get a discount just for being loyal and continuing to purchase insurance from them. These discounts can really Read More…
Thursday, November 28, 2019 12:51
One of the simplest ways to save money on car insurance is to review the billing and payment discounts your insurer offers. An autopay discount is a common option: you authorize your insurance company to automatically withdraw your premium from a bank account, debit card, or credit card on a Read More…
Friday, November 22, 2019 13:31
If you fall asleep at the wheel and cause an accident, your car insurance will usually still respond, assuming the policy was active, the claim is covered, and you cooperate with the insurer’s investigation. Falling asleep is typically treated as negligence, not as an automatic reason for a car insurance Read More…
Monday, October 14, 2019 7:36
Natural disasters can damage a vehicle in minutes. Floodwater can destroy electronics, hail can dent body panels, wind can send debris into glass, and fire or smoke can make a car unsafe to drive. The important insurance question is not whether the storm was severe; it is whether your policy Read More…
Sunday, October 13, 2019 4:22
A hit-and-run can leave you with vehicle damage, medical bills, missed work, and very little information about the driver who caused the crash. In New York, your own policy may still help, but the coverage that applies depends on what was damaged, whether anyone was hurt, and which optional coverages Read More…
Thursday, October 10, 2019 5:49
Accidental death and dismemberment insurance, often shortened to AD&D insurance, is a supplemental type of insurance that pays a cash benefit after a covered accidental death or certain severe accident-related injuries. It is commonly offered through workplace benefits, sold as a rider on a life insurance policy, or packaged with Read More…
Wednesday, October 09, 2019 3:19
New York’s required auto insurance is a starting point, not a full protection plan. As of 2026, most private passenger vehicles must carry at least $25,000/$50,000 in bodily injury liability, $50,000/$100,000 for fatal-accident liability, $10,000 in property damage liability, $50,000 in no-fault Personal Injury Protection (PIP), and $25,000/$50,000 in uninsured Read More…
Friday, August 23, 2019 13:58
As of 2026, the New York DMV lists the state minimum for property damage liability at $10,000 per crash, and the New York Department of Financial Services explains that no-fault does not pay to repair your car or the other driver’s car. That means a parked-car claim can still leave Read More…
Thursday, August 22, 2019 14:33
If you work for New York State, you may be able to save on auto insurance—but usually not through one automatic statewide discount. As of 2026, the more realistic paths are employer or union affinity programs, payroll-deduction arrangements, and the standard New York discounts that apply to any eligible driver. Read More…