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…
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…