Things You Didn’t Know Car Insurance Covered

Many know the basics of car insurance in Greenwood Lake, NY and what it covers in the event of an accident, but there are some surprising things that are could be covered under your policy.

Car seats

Many parents know they need to strap their child into a car seat in Greenwood Lake, NY, but if you get into an accident, the seats can be expensive to replace. Insurance agents at Windermere Insurance view car seats as an extension of your car, so if you have collision coverage, it is covered.

Pothole Damage

Potholes are known to cause a lot of damage to cars, but the collision portion of your insurance policy should cover the damages to the vehicle. You may have to file a claim as an at-fault accident.

Animals

Animals running into your car, or getting into an accident with an animal, can be put in the same category as vandalism. If you are frequenting areas that are rural and have a lot of animals running around, check to make sure you are covered. Your policy may also cover rodent damage if they chew away at wiring and you have comprehensive coverage.

Pet Injuries

Many times, your pets are riding in a vehicle without proper restraints. In the event of an accident, they can be injured. Some companies will provide coverage to help pay for treatment for pets that are hurt. This may be included in your collision or comprehensive coverage, or you may need to ask for this type of policy.

Riots

Riots and protests are becoming more common. If your car is damaged because of these protests, you may be covered under your policy because it’s considered an act of vandalism.

Contact Windermere Insurance for a quote on auto insurance and any questions about what may be covered in your auto policy.

Covering your fleet: Commercial auto insurance in NY

Here’s a question people often come to Windermere Insurance with: Does commercial insurance cover your company vehicles?

The short answer is: No. Or at least not by default. It is possible to get a commercial policy that covers both your building and assets contained therein and your company car, it can be a lot less expensive and a lot more convenient to get coverage this way. But it’s best not to assume that your commercial policy covers your company vehicles unless specifically stated.

In some instances your commercial policy may cover any damages your auto suffers while on company property, in the garage, the parking lot and so on, but in terms of damages suffered while you’re out doing your rounds or making deliveries, you will need to ensure that you have commercial auto coverage to protect your business vehicle.

Note that if you are using a personal vehicle for work, your personal auto policy may cover that in Greenwood Lake, NY, but you will want to keep your insurer abreast on how you are using your vehicle. Driving to and from work is assumed, of course, as is most minimal usage. But if you’re making constant deliveries, then you need to talk to your provider about getting covered for that.

Greenwood Lake, NY isn’t so different from most places when it comes to professional and private insurance. If you have any questions, call Windermere Insurance to see if they can connect you with an insurance provider who meets all your needs, whether you’re covering a small shop or a whole fleet of pizza delivery cars and drivers.

Is Full Auto Insurance Required in Greenwood Lake, New York?

Throughout the state of New York, motorists are required by law to carry at a minimum, $25,000 worth of liability insurance on each vehicle that is registered and driven. Although it is not required to have full and comprehensive auto insurance, obtaining liability insurance is a must regardless of your age, your vehicle type, and how long you have been a licensed driver.

For individuals who are in need of auto insurance in New York, we help serve the area of Greenwood Lake to ensure you are properly within the state’s system and registered in the case of an accident or if you are pulled over by police officers for any reason (including simple traffic stops). Those who do not carry the minimum liability insurance for their vehicles in New York are at risk of being charged with a misdemeanor and potentially losing their ability to drive altogether, depending on past driving offenses. Getting the right type of insurance is best with the assistance of an agent who specializes in auto insurance in your place of living to guarantee protection for you and your family. We will work with you to get anything from liability insurance to full comprehensive coverage for all drivers in your family based on your financial means and protection needs when driving.

When you are ready to find the right insurance policy for your vehicle, connect with us at Windermere Insurance, serving all of Greenwood Lake, NY. Getting the protection you need while driving is essential to avoid financial strains and the potential loss of your driver’s license any time you are on the road in the state of New York.

3 Tips to Avoiding Road Rage

Road rage is a very serious issue. We’ve all been there where another drive on the road does something, either unsafe or prevents us from making our exit. Whatever the reasoning, it is easy to feel your blood pressure go up and, potentially, burst. At Windermere Insurance, we understand the importance of keeping your cool and preventing the issue from escalating any further, regardless of if you are driving around Greenwood Lake, NY or somewhere else. 

Get Your Sleep

Everyone is a bit more cranky when they don’t have the necessary sleep their body needs. Sleep not only helps you avoid road rage but it can assist with improving just about every other aspect of your life as well. So, if at all possible, do what you can to sleep at night. 

Switch to Classical

Music with a heavy bass line is proven to increase your heart rate. That is great if you’re going to the gym but it is not very good if you are driving your car. That is exactly why you need to avoid heavy music with big bass when driving. Maybe switch it up to classical or jazz or something. Of course, if you like the bass music there is nothing wrong with that, but if you are already in a bad mood, switch to something a bit more calming to the senses. 

Breathe

Just stop and take a deep breathe. It is real easy to get caught up in the moment. Here’s the thing though. If someone really makes you upset and you start visibly making hand gestures at them or mouthing swear words, it is more likely to make them upset, which means they might retaliate in kind, often to a greater extent. Take a moment a breathe.