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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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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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