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Category Archives: Car Insurance

The Auto Insurance Claims Process, Step by Step

An auto insurance claim is a request made to an insurance company for compensation for damages sustained after a car accident, or for representation or intervention on the insured’s behalf when they are liable for damages. If you are involved in an accident, you will want to make a claim. When it comes time to file an auto insurance claim, a lot of people aren’t always in the best head space. Car accidents are incredibly nerve-wracking, and trying to coordinate all of the necessary information and figure out what costs you are responsible for can be stressful on anyone. Rather than waiting until the accident has already happened to try to figure everything out, we encourage you to familiarize yourself with our guide to the claims process now. That way, if an accident ever does happen (though it hopefully won’t), you’ll be ready to go and make the process as short and painless as possible. 1. Contact the Police After a car accident, contact the police and have an officer take down the details of the accident in the police report. You may be shaken up after an accident and not be in a position to assess what’s happened. If the other party becomes difficult, the police will be there to make sure you’re safe and that emergency service personnel are there to assist with injuries or hazards. 2. Contact Your Insurance Agent Having your car accident information ready will help you keep track of the information needed to file your claim. Be prepared to provide accident details to your insurer. Call your insurance company from the scene of the accident while waiting for the police or after you are safe. They will walk you through the next steps. If your car is not drivable, your insurer can advise you on transportation for you and your car. If you have this coverage on your policy, they can arrange for your car to be towed, and get you a rental car. If you do not call them, you won’t know how they can help and you may spend more money than needed. They will then open the claims file. A claims professional will represent you in any discussions with third parties involved, investigate the circumstances, handle vehicle repairs and rental arrangements, and get the claim settled. That’s what your insurance company…
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Who Really Causes the Most Car Accidents? Common Stereotypes Explored

There are many stereotypes around the question “Who causes the most car accidents?” Some people claim that women are statistically worse drivers than men, while others claim that men cause more accidents. Some say that newly-licensed teenagers are the biggest dangers of the road, while still others feel that senior citizens above a certain age should not be driving. The truth is, we can all be accident-prone and are constantly at risk out there on the road. No matter who you are, it’s always crucial for your safety and your finances to be careful on the road and secure Auto Insurance before driving. Let’s explore a couple common stereotypes that have been in the talk for quite some time now. Men vs. Women The Insurance Institute for Highway Safety did a study for findings based on the idea that men tend to engage in certain riskier behaviors on the road than women. Men’s statistical bad driving tends to stem from deciding to err on the opposite side of caution. The National Highway Traffic Safety Administration conducted an analysis showing that nearly twice as many men 34 years or younger die in speeding crashes than women in the same age bracket. It was also found that more men drink and drive, get traffic violations and are deemed responsible for a greater portion of car accidents. That being said, according to the National Highway Safety Administration, men also drive a lot more miles than women which could be why men cause 6.1 million accidents per year, while women cause 4.4 million per year. On average, men drive 16,550 miles and women drive 10,142 miles per year according to Federal Highway Administration. Therefore men drive about 30 percent more miles than women. Yet, they’re implicated in slightly less than 30 percent of car accidents. Men do cause more accidents, but they are slightly less at-risk than women, by a small margin. The conclusion? We can all be risky drivers at times, and no one should consider themselves one hundred percent safe from car accidents. Seniors vs. Teens Mistakes are expected from young drivers, but the first few years are pretty risky. According to the Insurance Institute for Highway Safety drivers, ages 16-19 are three times more likely to crash than drivers over 20. The United States Census Bureau found that teens cause about…
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Safe Winter Driving Tips

As many motorists are aware, driving during this time of year can be harrowing. With ice-slicked roads and heavy snowfall to consider, there are plenty of additional risks that drivers face during the harsh winter season. To avoid the dangers associated with winter weather, ensure you protect yourself with a comprehensive and customized New York Auto Insurance policy and heed the following safe driving tips. Basic safety tips. Never drive when you are fatigued. Risky road conditions are dangerous as it is, and drivers need to be alert and able to respond immediately to a change in traction or traffic. Next, be sure to properly inflate your tires before heading out, as under-inflated tires are a hazard! Drive slowly and allow plenty of time to arrive at your destination and give yourself plenty of room to brake, especially in icy or snowy conditions. Remember, the average time it takes to stop is 3-4 seconds, which can be increased to as many as 10 seconds in snow! Driving in snow. Remember to accelerate and decelerate slowly. It takes more time to do both on slippery roads, so take your time. Next, use inertia to your advantage. Don’t stop if you can avoid it. There’s a big difference in the amount of inertia it takes to start moving from a full stop versus how much it takes to get moving while still rolling. If you can slow down enough to keep rolling until a traffic light changes, do it, explains AAA. With this in mind, don’t speed up hills in the snow as it will only cause your tires to spin out. Instead, get some inertia and traction going by building up speed prior to ascending the hill. If you don’t have to go out, don’t. Rather than brave the roads and risk an accident, consider foregoing driving all together.   About A.J. Benet At A.J. Benet, Inc. Insurance, we make sure that your New York Automobile Insurance includes more than the simple general liability and product liability. Our policies extend in cases where you underlying limits are exhausted. Our team of experts is willing to go the extra mile and not only protect your business but understand it. For more information, call us today at (888) 639-4560.

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Understanding Your Policy: Personal Auto vs. Commercial Auto

Purchasing an auto insurance policy can seem complex, especially when you are not sure about the type of coverage you need. If you own a business and use a vehicle solely for the business, there are certain types of vehicle usage that is not covered under your personal policy. Therefore, it’s important to understand the differences between a New York Personal Auto Insurance policy and a New York Business Auto Insurance policy. Basics of Personal Coverage Personal auto insurance is designed for the needs of consumers, either for individuals or families. If you are in an auto accident, it protects your personal assets by providing the funds needed for car repair, medical expenses or liability charges. Obtaining personal auto insurance is relatively easy; however, you do need to provide specific information to ask for a quote, such as: The Vehicle Identification Number (VIN) Make & model of car The names, ages, and basic information of primary drivers Basics of Commercial Coverage Commercial auto insurance is designed for the needs of businesses that have several drivers and multiple cars. According to the Association of Motor Vehicle Administrators, commercial companies do not register vehicles the same way as a personal vehicle. A company will have to provide different information to obtain a quote. Another difference between commercial and personal coverage comes down to the amount of drivers. For example, a business may need coverage for fifteen drivers, even if it’s for occasional usage. The rates will be much higher as a result of the number of drivers. In a nutshell, when it comes to drivers, vehicles, and purposes, personal drivers don’t have the same kind of insurance concerns as a business. Businesses have higher liability concerns, requiring them to adhere to higher liability insurance requirements, such as protecting employees, passengers, work gear, and equipment. Whether it be your business investment or your loved ones, it’s important to get the right kind of coverage you need. At A.J. Benet Inc., we know how important it is to keep you safe. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. Call us today at 888.639.4560 for information on our New York Auto Insurance Policies.

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Avoid These Three Common Car Crash Causes

According to the National Highway Traffic Safety Administration (NHTSA), there are three common causes of car crashes in the United States.  What is important to note is that each of these factors are completely under the driver’s control. While you can’t eliminate every risk when you’re on the road, insuring your vehicle with a New York & New Jersey Auto Insurance Policy and being mindful of these common causes will safeguard you from liability. Pay Attention According to the NHTSA, about 660,000 drivers are using cell phones or other handheld electronic devices while driving. Add to this fact the countless other distractions you may face while driving, such as playing your car stereo or talking to a passenger. While you can’t control other drivers on the road, it is important to remember that you can control yourself.  Pay attention to what you are doing so that you’ll be ready to react quickly in the event of a threat. Stay Sober Don’t drive after you’ve been drinking or using other drugs, including prescription drugs. In 2012, according to the National Safety Council (NSC), 15,000 people were killed in accidents involving impaired drivers. If you are unsure how a new medication will affect you, don’t drive until you know. Don’t Speed A driver could be tempted to think that the majority of crashes happen on the interstate. However, according to the NHTSA, this is not the case. The highest number of speed-related accidents occurs on roads with a speed limit lower than 55mph. Always drive at a safe speed, while keeping in mind the drivers around you. If someone behind you is trying to speed up, do not try blocking them. Move and let them go passed you, otherwise you could increase your risk of a crash. At A.J. Benet Inc., we know how important it is to keep you safe. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. Call us today at 888.639.4560 for information on our New York Business Insurance Policies.

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Mamaroneck Car Insurance: Should You Purchase A Diesel Fueled Car?

Mamaroneck Car Insurance: Should You Purchase A Diesel Fueled Car? Fuel efficiency is one of many pressing issues for potential car buyers. With today’s market, there are plenty of hybrid and electric car options for consumers to choose from. Both are viable options for superior mileage, but there is another fuel efficient option to consider. The diesel fueled car. Diesel fueled engines have been around since the early 1900’s but it is rare to find them in the consumer auto market. They are considered less eco-friendly, more expensive and noisier than their gasoline counterparts. Because of these difficulties, car manufacturers were less inclined to develop diesel based consumer cars. However, with improved catalytic converters and ULSD (ultra-low sulfur diesel), diesel motor technology has improved dramatically over time. The main advantage in having a diesel fueled car over a traditional gasoline vehicle is achieving better mileage. They require less fuel to provide ignition than a gasoline engine does which is why they are able to achieve superior efficiency and mileage. Another advantage is that diesel motors are engineered to be sturdier than gasoline engines. Because diesel combustion is more strenuous on the system than spark ignition, diesel engines use higher quality and tougher components. By being more solidly built, parts are less likely to be serviced which leads to a higher resale value down the road. Hybrids and electric cars have gotten the lion’s share of attention for consumers looking for fuel efficient vehicles. However, with diesel engine technology advancements, it is nice to have another option when shopping for a high mileage vehicle. Either way, no matter which vehicle you choose, we here at A.J. Benet understand how important proper Mamaroneck Car Insurance is towards protecting your vehicle. Our specialists are ready to answer any questions related to insuring your vehicle whether it be gasoline, electric, diesel or anything in between. Contact us today for more information about our Mamaroneck Car Insurance policies at (888) 639-4560.

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Westchester County Auto Insurance: The Future of Driving

Westchester County Auto Insurance: The Future of Driving One of Google’s latest technology ventures has been developing a self-driving car. Still a few years away from consumer production, the concept has nonetheless generated exciting discussion about the possibilities and possible impact of a driverless vehicle. Casey B. Mulligan, an economics professor at the University of Chicago, tackled this idea recently in a column for the New York Times. He argued an interesting, less thought about side to the “smart” car revolution: driverless cars would actually increase fuel consumption and the number of drivers on the road. One of the touted features of driverless cars is that driven by its data and computing power, driverless cars are also purported to reduce traffic congestion and nationwide fuel consumption by driving smarter. However, Mulligan disputes this. Smarter driving reduces the cost per mile of vehicle usage, which will lead to more driving. But research has shown that cutting travel costs through reduced gas prices actually causes people to drive more (they will choose their vehicle over carpooling and public transit, for example). Thus there could be more traffic and more aggregate fuel consumption. There are a number of hurdles driverless vehicles have to jump before they ever hit the open road. It will alter auto insurance policies significantly. But they will also open up transportation options to people previously unable to drive, such as the blind or elderly. What do you think about Mulligan’s predictions? Will it increase traffic congestion? How could driverless cars affect the insurance marketplace? We’d love to hear from you. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance.

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Westchester County Auto Insurance: Cutting Car-Buying Process in Half

Westchester County Auto Insurance: Cutting Car-Buying Process in Half Buying a car can be a long, lengthy process. It takes time, research, test driving, and a significant amount of haggling to get that shiny new pair of keys. Now however, car showrooms are looking to cut the time you spend negotiating a deal. Shoppers are going online and conducting extensive research before they even enter the showroom. According to J.D. Power and Associates, 80 percent of buyers spend an average of 18 hours online researching models and prices. However, despite that, new car buyers spend 12.5 percent more time negotiating at showrooms last year than in 2010 negotiating the deal, hammering out financing, and training on the vehicle’s technology. Even though car buyers enter the show rooms more educated on what they are looking for, it still takes a significant amount of time. To combat that, vehicle showrooms are utilizing a new range of tools from mobile devices that can calculate a car’s trade-in value to expanded call centers to handle the increased traffic from smartphone shoppers. AutoNation Inc. is rolling out a new pricing strategy that bases selling prices on current market data, rather than the manufacturer’s suggested retail price. In addition, new software allows them to present a menu of financing or leasing options. The goal of these transactions is to cut transaction times in half. It’s a learning curve- dealers are still testing policies that benefit a new generation of digitally savvy customers. For example, more dealers are moving away from writing price offers on paper and using digital software systems instead. The new systems allow salespeople to use an iPad to adjust variables such as the trade-in value of a used care or down payment. The information can also be sent directly to a sales manager, so the salesperson doesn’t have to run back and forth. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance. Source: Wall Street Journal

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Harrison Auto Insurance: April is Distracted Driving Awareness Month

Harrison Auto Insurance: April is Distracted Driving Awareness Month Westchester County  has declared April as Distracted Driving Awareness Month. Across the United States, ff concerned parents, states, organizations, and driving safety advocates are calling for increased awareness on the dangers of distracted driving and its potentially lethal consequences. Distracted driving is defined by AAA as “the act of operating a vehicle without your full attention focused on the driving task.” Multitasking is a skill many admire. But on the road, it can be deadly. Nationwide, distracted driving is estimated to be responsible for nearly 400,000 injuries and over 3,000 deaths per year. And it’s happening to a huge number of teenagers. Forty percent of all American teens say they have been in a car when the driver used a cell phone in a way that put people in danger. Drivers face hundreds of distractions on the road each day. Passing billboards, other cars, pedestrians, animals, the view outside their window. There are also distractions inside the car, such as other passengers, music, smartphones, entertainment systems, and food and drinks. Driving distractions fall into three categories- visual distractions, manual distractions, and cognitive or mental distractions. Cell phone use is by far one of the most dangerous because it involves all three categories; it visually requires you take your eyes away from the road, you have to hold it to type or talk, taking your hands off the wheel, and you must mentally focus on what you’re typing or saying, taking your cognitive attention away from the road. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance.

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Westchester County Auto Insurance: A Guide to Car Insurance

Westchester County Auto Insurance: A Guide to Car Insurance Insurance is as complex as it is confusing, especially when it comes to Auto Insurance. Knowing which coverages you need is crucial to you & your family. Everyone who has ever purchased an insurance plan knows how overwhelming it can be to take in this much information, which is why we created this insurance friendly, simplified cheat sheet on the basics of Westchester County Auto Insurance. Once you read this over, give us a call and let us help you determine the right amount of coverage for you, at the right price. All descriptions below are simplified descriptions of common auto insurance coverages. All auto insurance coverages are subject to the individual limits, terms and conditions of the auto insurance actual policy that you purchase. Bodily injury liability coverage – In general, bodily injury liability can pay for damages to the driver and passengers of the other car when you are responsible for an accident. Another benefit of this coverage is that it can provide coverage to help defend you if you are sued. Property damage liability coverage – Property damage liability coverage is designed to help pay for property damage of the other parties involved when you are responsible for the accident. This coverage can also assist you to defend yourself in court if you are sued because of an accident. Medical payments coverage – Medical payments coverage generally covers you and your passengers for medical expenses from injuries sustained in an accident. Uninsured or underinsured motorist bodily injury coverage – Uninsured or underinsured motorist bodily injury coverage is designed to assist in payment of damages for bodily injury to you and your passengers when caused by another in an accident. and the person legally responsible either has inadequate or no insurance. Collision coverage – Collision coverage generally pays for damage to your automobile in the instance that you hit another car or object. Comprehensive coverage – Comprehensive Coverage pays for damage to your car if it is stolen or damaged by certain causes other than collision. Some examples of this is claims such as hail, vandalism, or theft. The right protection is the protection that matches your needs. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite…
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