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Many of us have trouble accepting that they could possibly be to blame for an accident. This is particularly true of elderly drivers who have 40 years unblemished record or those who have passed an advanced driving course. I remember to this day a claim form which stated this accident was not my fault - I am an advanced driver and he should not have stopped in front of me! (This driver had just driven into a stationary car.)

But the truth is that even the most careful of drivers can suffer a moment of insanity. And of course we ve all met drivers with an aggressive or exceptionally timid driving style which is just asking for trouble on today s overcrowded highways.

When you report to your insurers, tell them the whole truth! It is OK to admit to your insurers that you were to blame. They will not thank you if you bend the truth to try and make out that you were not to blame as they are liable to try and deny claims made against you, lose and thus increase their costs. They would much r (more...)

Laws and requirements for insurance are complicated and vary from state to state. There are numerous and varying types of coverage you choose from, whether full liability or personal injury protection. Some states require certain coverage types while others make it optional. New York has some some complicated requirements and options so lets review them.

Liability Coverage

Every states requires liability coverage, the most basic coverage , New York included. New York auto insurance laws require $25,000, $50,000 or $10,000 in coverage. These figures cover bodily injury liability per person, total bodily injury per accident, and property damage per accident, respectively.

New York State is different in that it requires twice the bodily injury liability limits in the event the accident results in death, taking the limits to $50,000/$100,000. Owning a car is expensive in NYC if you haven t figured that out yet.

Personal Injury Protection

Personal injury protection or PI (more...)