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Isn’t New York a No Fault State?

Insurance Lesson: This is a long post, but one with info that I think you need to know. Here is a question I get all the time- “Isn’t NY a No Fault state”?
There are 2 parts to this answer: Yes it is, but that doesn’t mean what you think it means.
It means that if you are involved in an automobile accident (something with 4 wheels), you don’t have to wait outside the hospital for the at fault person to show up and pay the bill. Your own policy will pay your medical bills and bills for passengers in the car up to the policy limit. The mandatory limit is $50k. You may be able to purchase more.
New York is really a “regardless of who is at fault, your own policy provides protection for reasonable and necessary medical expenses, and may include a variety of other services if you or your family are injured in a covered accident” state.  No-fault, is probably just catchy.
Well, then who is at fault in my accident? Why does it matter?
NY State is a comparative negligence state. In any accident the companies investigating may find you are 100% at fault, 99% at fault 50% at fault, or any other number they deem you are at fault. They do this be assessing damage, and police reports. This is important when determining if one carrier will get money back, and if they will be able to recover your deductible or a portion of it. What if I slide off the road in the snow and hit a guardrail? Isn’t that the snow’s fault? Nope, that one is your fault. What about deer? Damage from deer is paid under a different portion of the policy…. we can talk about that another day.

Why Do I Need Life Insurance?

https://www.lgamerica.com/wpwhylife.htm I started out today writing a post about the importance of life insurance as part of your insurance plan.  As I was putting my post together I came across some words from one of our life carriers.  They do a nice job of summing up why you need this coverage.  If you are reading…

Damn Ice Dams

Ice Dams are here to stay until the end of March.  Or if you feel like I do, it may never end and this is just how we live now. 🙂 This Old House has a great article on ice dams, and some great ideas on stopping them. Including using a box fan to freeze…

Frozen Pipes

Frozen Pipes- I have been seeing a lot of talk on FB about frozen pipes.  It can make a real mess.  Here is some information that I found on them. http://www.redcross.org/prepare/disaster/winter-storm/preventing-thawing-frozen-pipes   Here is another article on how to defrost those pipes. http://home.howstuffworks.com/home-improvement/plumbing/how-to-fix-pipes3.htm  

Snow Shoveling Safety

If you want a good laugh about all the snow shoveling we have been doing check out this link to The Onion. http://www.theonion.com/articles/snow-shoveling-tips,37929/

Netflix

When I finally get to sit down and use Netflix I find that all they recommend for me to watch is kids shows. Because you watched Dora the Explorer or Because you watched Hulk: Agents of Smash- you might like Dora vs. Hulk…  I don’t want to watch those things although seeing Dora get smashed…

Gifts for Kids 2015- Giving Back

Great job to all those that were involved!             This one is short and sweet because I really have a loss for words. If you want to see the still photo’s of the event check us out over on the FB page.  

Holiday Safety Tips

It’s a week early but here are some holiday safety tips. If you are frying a turkey.  We do this every year.  If you do it right it will be the best turkey you have ever had.  If you do it wrong you may be living in a hospital and then a hotel for months…

Halloween Safety Tips

HALLOWEEN SAFETY TIPS Walk Safely Cross the street at corners, using traffic signals and crosswalks. Look left, right and left again when crossing and keep looking as you cross. Put electronic devices down and keep heads up and walk, don’t run, across the street. Teach children to make eye contact with drivers before crossing in…

Wedding Insurance

Wedding Insurance in the Hudson Valley Tomorrow we will be participating in the Bonura Hospitality Group Wedding Show at The Grandview in Poughkeepsie.  We will be there talking about wedding insurance and all the other products we have to offer.  Not only that but we will be giving away a $200.00 Visa gift card.  Stop by and…

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John Luongo

Owner, Shop Around Insurance