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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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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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Mamaroneck Auto Insurance: How to Help Prevent Parking Lot Accidents

Mamaroneck Auto Insurance: Prevent Parking Lot Accidents You know the drill. As summer months wind to a close, and the kids head back to school that also means the Mamaroneck holiday rush around is close to beginning. The fall and Halloween decorations are out; it’s followed closely by Thanksgiving, and before you know it the full holiday cycle is in swing. This post is provided by A.J. Benet’s Mamaroneck Auto Insurance programs. Call us today for a free quote. (888) 639-4560 With the festivities, this also means that the malls, outlets, and grocery stores will be severely overcrowded.  During the holidays, the frequency of parking lot accidents increases by approximately 20 percent according to a study by a national insurer. To help protect  your car from dings and dents, follow these parking lot tips: Watch your speed. It is easier to avoid potential accidents if you have time to brake. You can avoid cars that are speeding, cut in front of you, or that pull out unexpectedly from their parking space. Check your mirrors…twice. Use your eyes and mirrors to make sure that you have a clear path before backing out (or pulling in) front of a space. Take the scenic route. Park your vehicle farther from store entrances. It is generally less crowded, and  your car is less likely to get dings or scratches on it. Despite your best efforts, if you do happen to get into a parking accident, report it to the police and your insurer immediately. Even if it seems minor, reporting it makes sure you’re protected in case the other party doesn’t have insurance or files a claim. Whether crossing the George Washington Bridge, driving home on the Hutch or making your way up Interstate 684, Alan J. Benet, Inc. provides Mamaroneck Auto Insurance for drivers from New York City to Westchester County and nearby Connecticut and New Jersey with personal Mamaroneck Auto Insurance plans to protect against unforeseen damages and injuries. Contact us today for more information about our Mamaroneck Auto Insurance Alternative Source: Fatalities & Injuries in Motor Vehicle Backing Crashes

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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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New York Auto Insurance: Cameras at Stoplights Could Increase Tickets

New York Auto Insurance: Cameras at Stoplights Could Increase Tickets New York City drivers don’t typically have to haggle with police officers or try to beguile their way out of tickets. Catching up to a driver speeding through a congested intersection is nearly impossible to feasibly and safely do. A proposal gaining momentum in Albany however, could change just that. This post is brought to you by AJ Benet New York Auto Insurance programs. According to the New York Times, the proposal would install cameras that record the speed of passing cars and issue violations automatically. The speed and accuracy of the technologies would be much more suitable for the fast paced hectic traffic of NYC streets, where it is often difficult and potentially dangerous to catch violators. The proposal calls for 40 cameras mounted throughout the city. About half of those cameras can be rotated different directions, so drivers aren’t ever certain when their speed is being tracked. Only violators who exceed the speed limit (usually 30 miles per hour), by more than 10 miles per hour would be given tickets, receiving a $50 fine. For those who exceed it by more than 30 miles per hour, the fine doubles to $100. Drivers would not be docked points on their licenses for violations. Proponents of the bill point to statistics. Since cameras were installed in Washington in 2001, police said traffic fatalities had fallen 56 percent. Hundreds of New Yorkers each year are killed in speeding-related crashes. Others argue the cameras aren’t fair because they can’t capture the context of the situation the way a cop would, for example if someone was simply trying to clear the intersection. You and your vehicles deserve quality New York Auto Insurance 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. A.J. Benet has been serving residents in New York City, 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 Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan, New York auto insurance since 1964.

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