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Tag Archives: New York Auto Insurance

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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Driving Safely on Thanksgiving

The holiday season is quickly approaching. Malls are filled with garlands and sky-high Christmas trees and everyone is the Christmas spirit. However, there is the case of the crowded roads and the higher chance of accidents during this time of year. It’s important that you stay protected with New York Automobile Insurance. In an article in West Bend, they explain a few tips for staying safe on the roads during Thanksgiving and the rest of the holidays. Try to take off work early. Typically, Wednesday’s and Sunday’s are the busiest days to travel during Thanksgiving. If you have extra vacation days, try to use them to start your holiday travels early. Avoid traffic by leaving Monday or Tuesday and coming back Saturday. If you’re in the situation where you have to travel during peak times, then consider taking other routes to your destination. Try to avoid traffic by picking the scenic route. Make sure to have your phone fully charged before charging. If not, bring your charging cables with you. All of us use maps on our phones, so it’s essential that your smartphones are charged. If you’re delayed because of traffic, make sure to have distractions ready for you. Pack snacks and water and it’s a known fact that a full stomach equals happy people! When you know you’re taking a long road trip, get plenty of rest before. Take breaks while traveling because it helps you stay awake. At AJ Benet, 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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Going Beyond Your Automobile Policy

Protecting your vehicle with a New York Auto Insurance Policy is a top priority. However, what if you find yourself in a situation where your auto coverage is not enough? What happens if the limit fails to fully cover the other driver’s needs? The purpose of your umbrella policy is to protect your assets from an unforeseen event. In the event of a lawsuit, your umbrella coverage will pay for the damages you’re responsible for up to the policy limit. For example, if you’re at fault in a car accident, your automobile insurance will cover the other driver up to the limit you selected. According to an article in Nerdwallet, you might need umbrella liability insurance if you own property or have a lot of money in the bank. The best way to decide if you need umbrella insurance is by determining your net worth. If your net worth exceeds the amount of liability insurance you can purchase for your home or  vehicle, then consider the umbrella policy. For example, most insurers won’t sell you umbrella policy unless you have $250,000 worth of liability coverage on your car and $300,000 on your home. At AJ Benet, we make sure that your Umbrella Liability insurance includes more than the simple general liability, auto liability, and product liability. Our policies extend in cases where you underlying limits are exhausted. This provides protection from personal injury, liquor law, contractual and vehicle. Umbrella insurance policies also provide coverage for risks that might not be included in your primary commercial liability insurance policies. 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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