What is Medical Payments Coverage Medical payments coverage, sometimes known as Med Pay, is an optional automobile insurance coverage in New York. Usually, auto insurance policies will have coverage limits of $5,000 or $10,000. There is a good chance that…
Are all Worker’s Comp rates the same? There seems to be a common misconception when you purchase Worker’s Compensation coverage in NY state. It is believed that all worker’s compensation rates are the same, no matter what insurance carrier you…
Hit and Run Accidents Let’s face it, Hit and run accidents happen and they happen all too often. Whether your vehicle is parked in a parking lot and you come out to damage or even worse when a vehicle hits…
Property Coverage One of the most griped about things we hear in the insurance industry from property owners is that they have too much coverage on their house, or my house isn’t worth that why do I have so much…
Can I change insurance company’s each year In the past few years, it may seem as if insurance rates have been all over the board. This can increase how often you want to shop the current coverage, to look for…
Insurance Claims Claims are an unavoidable, and often unforeseeable, part of life. This is true in our business, as well as our personal lives. Unexpected claims are why we pay for insurance policies. One question we get a lot from…
Home Insurance Things can happen, sometimes through no fault of your own, and someone gets hurt on your property. Medical payments coverage is built to handle the small injury costs that may arise when a person is hurt while on…
Business owner’s in the State of New York, who have employees need to carry two different insurance policies. These are Worker’s Compensation and Short Term Disability. The difference between them while often confusing is actually very simple. Worker’s Compensation Workers’…
Why is my spouse’s name first on our insurance policies? It is very common to have more than one named insured on a personal lines insurance policy. Whether this is your automobile or homeowner’s policy usually both spouses or maybe…
This is a very common question that comes up, especially in Central New York. Does my Home Insurance Cover roof leaks? When water comes into your house due to an issue with the roof, does my homeowner’s insurance kick in.…
