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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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Neighbor’s Tree Fell on your Property? Who Pays?

By claims, Homeowners Insurance, Insurance News

When the Neighbor’s tree falls on your property…who pays? Have you ever wondered what would happen if that giant ash tree of your neighbor’s decided to take a fall…onto your house? Trees are wonderful, grand specimens that mother nature has so generously provided to us. Unfortunately, every tree will eventually make its way to the ground. Unless, it gets stopped along the way. Then what? For those who have never had this happen, your first call might be to your neighbor to say “Good morning, your decrepit tree came down and caved in my roof last night. Let’s get your…

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