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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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New York News: Class Divisions & A Golf Course

New York News: Class Divisions & A Golf Course The State of New York has given New York City 97 million dollars to develop a public 18-hole golf course on the newly re-constructed Perry Point Park. The park sits in the poorest borough of New York City, the Bronx. Many residents have voiced their perspectives and concern, such as the incomprehensible spending and the potentials risks of methane gas exposure. The construction of the golf course at Ferry Point Park is the most reprehensible symbol of class division and money distribution. Although the economically thriving state of New York still holds a large percentage of the nation’s top earners, the Bronx couldn’t be any more different. While Manhattan’s average household income between 2002 and 2010 has grown by $29,000, the Bronx has hardly bounced back from the recession and has only increased by $8,000.  According to the poverty results taken in 2009 by city-data.com, 34.4% of those who reside in the Bronx have an income below the poverty level. This is 16.2% more than the nation’s poverty level. In the United States Census Bureau’s American Community Survey, 1 in 5 households (1.8 million residents) in New York rely on food stamps. Their economy is still at the climax of the recession; home ownership has declined, housing values have plummeted, and fewer individuals carry health insurance. This poses an essential question; is spending 97 million dollars and turning over acres of land to build a golf course a feasible and efficient use of the city’s resources. In addition, the Ferry Point Golf Course will sit on a landfill that closed down in 1963 and has since been holding high levels of explosive methane gas. Although New York City has installed wells to measure and track the explosive level, residents are still righteously concerned that they are breathing lethal gas. While many residents are against the construction of another Trump National and International Golf Club, there many advocate for the construction. The Mayor’s administration has emphasized the history of golf as a past time. They stated that despite the decline in the use of golf courses, the Ferry Point neighbors expressed their overwhelming desire for a golf course in 1977. The administration argues that golf has been an important pastime for Americans for the past half of a century. Other park advocates…
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Mamaroneck Flood Insurance: How to Prepare for a Flood

Mamaroneck Flood Insurance: How to Prepare for a Flood When you live in areas like New York, you are frequently exposed to natural disasters such as hurricanes and floods. Although many are not as devastating as some, it is always beneficial to be prepared. Part of that includes investing in Mamaroneck Flood Insurance. Call us today for a free quote. (888) 639-4560 Earlier this year, the Huff Post addressed Westchester County’s (New York metro) vulnerability to severe flood disasters. New Jersey based non-profit news and research organization, Climate Central, states that there are several factors that contribute to Westchester County’s susceptibility to flood. As sea levels are rising and New York’s susceptibility to flood have increased dramatically, global warming has tripled the chance of New York state’s exposure to an extreme flood disaster. Fortunately, this knowledge has spread all over the globe and has motivated individuals and groups to create flood control plans. Here are several tips on how to prepare for floods in Mamaroneck Flood Insurance Tip #1 – Be knowledgeable and do some research. There are several websites that estimate your region’s susceptibility to floods. Websites like, Surging Seas, calculate your zip code’s flood risk through its sea level rise, storm surge, and tide. Flood Insurance Tip #2 – Prepare an emergency plan. Most communities have already devised fixed emergency plans, warnings signals, and evacuation routes—take advantage and learn it. Take this a step further and practice a flood evacuation route with your family. Flood Insurance Tip #3 – Create an emergency supply bag.  The essential things to store in this bag are non-perishable food, can opener, first aid kit, prescription medicines, blankets, large containers of water, extra clothes, and sturdy shoes. Flood Insurance Tip #2 – Identify potential hazards in and around your home. Learn how to secure and protect them in the event that a flood does occur. You may even want to have an electrician raise any circuit breakers, switches, and socket. As your insurance agent, we will consult federal flood maps to find your flood zone, which will affect the cost of your insurance, the type of coverage you need, and the limits of coverage for areas of your home that lie below the lowest elevated floor, such as basements and crawlspaces. Since 1964, A.J. Benet has provided Mamaroneck flood insurance to residents in…
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New York Employee Benefits: NYC’s Trans-Fat Ban Sees Results

New York Employee Benefits: NYC’s Trans-Fat Ban Sees Results New York has reached national news multiple times for its fight against obesity. Most recently, Mayor Bloomberg banned the sale of large sodas, in an effort to decrease our ever increasing consumption of sugary drinks. This post is brought to you by A.J. Benet New York Employee Benefits program But how about the trans fat ban? Five years later, does it actually work? The answer is yes, according to CNN and Med Page Today. In 2006, New York City approved the first ban on trans fats in restaurant chains, and the ban was enacted in 2009. Since then, trans fat content fell on average by 2.4 g., about a 22-calorie drop in trans fat per purchase. On a total scale of the typical 1,500 daily caloric intake, a 22 calorie decline seems insignificant. However, it is distinctive; estimates have linked 40 daily calories from trans fat with a 23% increased risk of heart disease. To assess the effects of the trans fat ban, researchers looked at lunch receipts compared to nutritional information and conducted lunchtime surveys with customers at 168 Manhattan, New York fast food chains before and after the legislation was implemented. The decline in trans fat was greatest at hamburger chains, followed by Mexican food places and fried chicken chains. The number of lunches that contained zero trans fat almost doubled, rising from 32% to 59% after the legislation. Overall, the trans fat ban seems to have had a significant effect across the city. The public policy initiative is one component of a broader fight against obesity and heart disease. We can help you implement a wellness program to help foster a culture of healthy living within your company. And, we can provide you with benefit enrollment and support and claims assistance to better communicate your group benefits and streamline the process for your HR staff. With us, you have a number of key group products that make up a solid New York employee benefits program: Group Dental Group  Health Group Vision Short & Long Term Disability Since 1964, A.J. Benet has been providing New York Employee Benefits in Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and…
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