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…
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…