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Auto Insurance

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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How Does Credit Impact Insurance Premiums

By Auto Insurance, Homeowners Insurance, Rates Prices

Question 4 of 100 Insurance Questions in 100 Days Though your actual score might not be used when a company asks to review your credit worthiness, how you’ve handled your credit will be. Almost every insurance company requires a credit check before a final quote can be provided. This check helps make up your insurance score. The better your credit, the better your score might be. Even with good credit, if you’re an inexperienced driver, or have had a few claims, you could still see rates higher than you would probably like.

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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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When you borrow a car in New York State who pays in case of an accident? Call us at Horan and we'll help you understand this common question

My friend crashed my car! Now what?

By Accidents, Auto Insurance, claims

Question 2 of 100 Insurance Questions in 100 Days This is one that I get about once every couple of weeks or more. There must be a lot more people loaning out their cars than I thought! As long as you are insured your policy will cover the claim if your friend was in an accident. Of course they had to have been given permission to drive the car first! This is how it works in New York State at least. If you should borrow someone’s car, it would be wise to confirm that the insurance is in-fact current. You…

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