Is your landscaper or that deck builder insured? Does it Matter?

By | Accidents, claims, Homeowners Insurance, landlord protection

When others do work at your house, should they be insured? As the summer months come upon us, contracting season goes into full bloom.  New patios and decks or weekly grass cutting bring contractors to your doorstep. They provide estimates, plans, ideas, and more. What about insurance? What is said about that? Is it on your list of things to ask about? It needs to be. What’s the risk? Home Ownership 101. What happens on your property is your responsibility. That’s right…yours and yours alone. Just because someone has fancy graphics on a truck or a business card, does not…

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Can I spouse be liable to the other in a car accident?

By | Accidents, Auto Insurance, claims

Question #61 in 100 Insurance Questions in 100 Days Video Series! There is a little known limit of coverage that one can add to an auto policy in New York. It is called supplemental spousal liability coverage. It essentially allows a spouse to sue the other spouse for bodily injury they sustain as a result of an at-fault accident committed by the other spouse. Watch this brief video for more information.

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Do I need to do anything after an accident, even if there was no damage?

By | Accidents, Auto Insurance, claims

Question 20 in 100 in Insurance Questions in 100 Days When in accident, even if it seems minor, it is still highly recommended to obtain the other driver’s information and contact the police. Yes, I realize it might seem silly to have to involve the police in a minor accident, but sometimes it is the minor ones that cause people the most headaches afterward. Watch this short video to learn more about these 2 important steps to take in the aftermath of any accident.

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When does a ticket or accident stop hurting your rates?

By | Accidents, Auto Insurance, claims, Rates Prices

Question 17 in 100 Insurance Questions in 100 Days This is a common question and one that doesn’t always offer a favorable answer. Most insurance companies are going to go back 5-years for all drivers on the policy. Any infraction will impact the overall rate of the policy. This is why having a small claim can often be more costly over time than the actual dollar amount of the claim. Watch the video for more information.

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When a car suffers damage it might not take as much as you'd think to make it totaled

How is a car considered totaled?

By | Accidents, Auto Insurance, claims

Question 11 in 100 insurance Questions in 100 Days Is My Car Totaled? You’ve probably heard someone refer to their car as “totaled” after an accident. Perhaps you yourself have experienced the same. To many, totaled means non-drivable or completely useless… and destined for the compactor at the junk yard. Though that can be true, you might be surprised to hear that it can take very little to total a vehicle. When you carry comprehensive and/or collision insurance on your auto policy, you are insuring yourself for the actual cash value of the car. Actual cash value or ACV, is…

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Is Liability on Auto Insurance Meaningless?

By | Accidents, Auto Insurance, claims, Driver Safety, Rates Prices

Question 5 in 100 Questions in 100 Days In order to register a car in New York State, you have to first show proof of insurance. Not insurance that protects the car. The state couldn’t care in the least if want to protect your vehicle. Instead they are ensuring that you have liability insurance in case you injure someone or damage something. There is a minimum amount that you are required to carry. $25,000 per person $50,000 per accident $10,000 property damage Anything beyond those limits are your responsibility. For example, if you run a stop sign and tee-bone a…

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You have New York auto insurance policy, but what does that little section called no fault insurance mean?

How do I use my No Fault Insurance coverage?

By | Accidents, Auto Insurance, claims

Question #3 of 100 Insurance Questions in 100 Days: What is No Fault Insurance? If I were to go out and ask 10 New York drivers what the definition of no fault insurance is, I’d likely get 10 totally different answers, none of which would be fully correct. Admittedly, before I became an insurance agent, I wouldn’t have known much either. Some might think no fault insurance is some strange endorsement only purchased by a small percentage of people, when in fact it isn’t. Every New York auto policy with registered vehicles will have no fault insurance. So if you…

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