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Category Archives: Teen Driver Insurance

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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Youthful Driver: Apps to Avoid Texting and Driving

Youthful Driver: Apps to Avoid Texting and Driving Texting and driving is fast becoming one of the most dangerous hazards of the road. According to Stop the Texts, over one million people chat and text while driving each day. A driver who texts while driving is twenty-three times more likely to get into an accident than a driver who doesn’t text. And, of those killed in distracted-driving accidents, 995 reports involved a cell phone. Eighteen percent of accident fatalities were distracted-related crashes. It isn’t a small population either. Forty-nine percent of drivers with cell phones under the age of 35 send or read text messages while driving. Technology is changing and the distractions within the car are more dangerous than ever. But, there are some apps that can help combat that problem. Here’s a list Mashable compiled on how to avoid texting and driving. AT&T DriveMode. Once the app is selected, all calls, texts, and emails are silenced- the app also blocks you from reading or typing anything. You do still have the option to make an emergency phone call, access your music playlist, and make calls with up to five people. DriveSafe.ly. Rather than blocking your text messages, this app reads your text messages and calls aloud so you don’t take your eyes off the road. It will automatically respond to recipients for you, either by voice or with pre-set responses. Textecution. This app uses GPS to determine the speed you’re driving at. If you are clocked at more than 10 mph, the app disables texting so you can’t receive or respond to texts. You will be able to unlock messages when going less than 10 mph. For extenuating circumstances (like traveling on a train for example), you can ask for permission from the admin, who can override the settings. DriveScribe. This app measures and evaluates your driving performance by giving you points based on how well you stay within the speed limit and obey traffic signs. Text-STAR. The goal of Text-STAR is to eliminate driving distractions. It senses motion, and disables texting when you drive over 10 mph. It also allows you to schedule auto reply texts if you know you’ll be busy or doing something else. The issue is especially prevalent with younger drivers. At A.J. Benet, we know how important it is to make sure your young drivers stay safe…
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Rules of the Road: Tips for Safe Teen Driving

Rules of the Road: Tips for Safe Teen Driving A driver’s license is a rite of passage for many teens…and a source of severe anxiety for many parents. The best thing a parent can do is to prepare their teen ahead of time, both with extensive practice and knowledge of the road. Once they are on their own, you can release them safely into independent driving by implementing a few basic Safe Teen Driving rules: Safe Teen Driving Tip #1 – Limit passengers. Teens are less likely to crash when they are driving alone or with an adult. Set limits on how and when your child can ride with or transport other teenagers (many states have already implement restrictions). Safe Teen Driving Tip #2 – Drive during the day. At night, it’s harder to see and more difficult to judge distance and speed. Spend a lot of time practicing nighttime driving with your teen. Make sure they follow the state curfew, and you may want to limit night driving altogether before they amass the experience to drive comfortably and safely alone. Safe Teen Driving Tip #3 – Limit technology. This used to be as simple as “don’t touch the radio.” Now, however with advanced auto technology and smartphones, teens can theoretically text, call, check email, fiddle with the GPS, check Facebook, and use the infotainment system all while behind the wheel. And, despite laws, research shows that texting and talking while driving is still widespread. Remind your teen to pull over if they need to make a call or text. While the above recommendations may not be popular, as a parent or guardian they will give you peace of mind and help your teen stay safe on the road. A.J. Benet has helped guide our customers through life’s milestones, including helping to insure young drivers on their auto policies. What’s more, we have developed a New Driver Contract, designed to help teens realize and accept the newfound responsibilities that come with driving. Providing Mamaroneck Auto Insurance for drivers from New York City to Westchester County and nearby Connecticut and New Jersey with persona car insurance plans to protect your teen against unforeseen damages and injuries. Contact us today for more information about our New York Teen Auto Insurance programs Source: NHTSA

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