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crash Archives - Horan Companies | New York Insurance Agency, Baldwinsville, NY

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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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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