Too Many Motorcycle Riders are Dying

By | Auto Insurance

Motorcycle Fatalities at Their Highest Rate Since 2008. It’s March, and that means warmer weather is coming. It also means motorcycle season is about to begin once more. This is an exciting time for many bike enthusiasts. The opportunity to be out riding during Central New York’s few warm months is merely a dream between October and April. As we move toward making those dreams come true, we must first face some hard facts. Riders are dying. They’re dying at a rate not seen since 2008. 2016’s totals (most recent published statistics) yielded 5,286 fatalities. To put it into perspective,…

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DON’T Break Glass in Case of Emergency!

By | Auto Insurance, claims

Don’t Break Glass in Case of Emergency! The sound of the car door closing behind you rings in your head, and then it happens. Keys!! You turn and peer into the window, and there they are. Sitting like orphans on the front seat, or hanging from the ignition. Your brain goes through rapid fire scenarios and possibilities as to how you’ll resolve this. Do you: Call someone at home to bring a spare key? Use your roadside assistance plan? Call a locksmith? Grab a wire hanger? or…. Bust the window!? If you have comprehensive insurance coverage with a zero dollar…

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New York Rules that Auto Insurance Rates Can’t be Based on Driver’s Level of Education

By | Auto Insurance

New York says goodbye to Auto Insurance Rates being based on driver’s education Could New York auto insurance rates get smarter? The New York Department of Financial Services (DFS) has finalized a regulation aimed to protect New York drivers from being unfairly discriminated against. The regulation centers around insurance carriers that were using a driver’s level of education or occupation data when determining an auto insurance rate. After a multi-year investigation, the DFS came to a couple conclusions. Education played no role in determining whether someone was a better driver. The risk of loss was not higher regardless of a…

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War Insurance

Are Acts of Terror or War covered on home and auto policies?

By | Auto Insurance, Homeowners Insurance

Question 99 in 100 Insurance Questions in 100 Days Video Series! War Insurance? An act of terror. An act of war. They are not the same. One will be insured while the other will not. If you have a homeowners or auto insurance policy or any other sort of insurance policy that protects your property, if an act of war were to occur within the United States causing damage to any of your things, then you would not be covered. Acts of war are not at all included in a home or auto insurance policy. Anything caused via that particular…

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Do Golf Carts require separate insurance?

By | Auto Insurance

Question 90 in 100 Insurance Questions in 100 Days Video Series! Many times certain things that we think would be insured through another policy, often times are not. That is why if you own something like a golf cart and you are using it away from your residence (as most do), that you make sure you have something in place that will step in if you injure someone or damage something while driving the cart. See more info on this topic in this brief video.

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If my car is stolen, what happens?

By | Auto Insurance, claims

Question 84 in 100 Insurance Questions in 100 Days Video Series! Hopefully a stolen car is not something that you will ever have to experience. However, in the event your car is stolen, but later recovered what do you think might happen to it? How does it work with your insurance company? Watch this brief video to learn more.

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How much for a quote?

By | Auto Insurance, Business Insurance, Homeowners Insurance, Insurance News, Renter' Insurance

Question 83 in 100 Insurance Questions in 100 Days Video Series! When listening to a radio ad about insurance and being enticed by a “free quote”, do you ever wonder…hmm how much is this Free Quote saving me? I’ll bet not. So, do you ever have to “pay” for a quote? Watch this video as we pull the cover off the insurance industry (lol).

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What insurance gaps exist when driving for Uber or Lyft?

By | Auto Insurance, claims

Driving for Uber or Lyft in New York State? Thinking about driving for Uber or Lyft in New York State (specifically central and upstate)? Ride-sharing is an exploding industry which has taken the use of modern technology and made it simple to book a ride with just a couple of clicks on your Smartphone. It’s also become another way for people to earn some extra money. If you own a car, can meet some basic background requirements, and are over 18, then you can apply to become a driver. Then, just wait for someone to book a ride with you…

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