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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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Auto Insurance

Is Your Moped Covered by Auto Insurance?

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Are you in the market for a moped? Perhaps you already own one. The addition of a moped is exciting yet it also requires some foresight and planning. One such concern is insuring the vehicle.

Moped Insurance

Contrary to what some drivers think, it is not possible to insure a moped under an auto insurance policy. Car insurance is distinct from auto insurance in New Windsor, NY. The majority of states require moped insurance as operating this type of vehicle is inherently dangerous. Mopeds lack protective doors, seat belts, airbags and roofs. Therefore, auto insurance restricted to cars is not applicable to mopeds.

Do your due diligence when researching insurance options and you’ll find the right moped insurance coverage for your needs. Coverage through the Bryan Insurance Agency, LLC helps offset medical costs after injury, harm to fellow riders and bodily injury/property damage to others. Collision coverage is also available in the event of contact with another vehicle or a moped rollover. Moreover, comprehensive coverage helps cover the cost of vandalism, weather-related damage, animal accidents and theft.

Insure All of Your Vehicles

If you own an automobile and a moped, it is in your interest to insure both. Moreover, both vehicles should have roadside assistance coverage, ensuring you have 24/7 emergency assistance in the event of a stall, blown tire, need for a tow or fuel.

Additionally, accidents with uninsured and underinsured motorists occur when driving both cars and mopeds. Coverage for uninsured and underinsured motorist collisions reimburses for medical costs, vehicle damage and lost income after colliding with a motorist who lacked sufficient or any insurance.

Bryan Insurance Agency LLC Is at Your Service

Serving New Windsor, NY, our insurance team offers insurance at competitive rates for worry-free living. Reach out to us today for your customized insurance quote.

Does Auto Insurance Cover Damage From Potholes?

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During an average year, approximately 10 percent of U.S. motorists hit potholes and need to repair their cars, according to the American Automobile Association. Unfortunately, this is a frequent issue for drivers in the New Windsor, NY area. Potholes can damage your vehicle’s suspension, wheels, steering, alignment, or tires. As a result, it’s important to understand whether you can file an auto insurance claim or seek compensation through other means.

Getting Reimbursed

In some cases, it’s possible to request compensation from a local government. However, this is typically only an option if you were driving on a public road and the authorities were notified about the pothole well before the incident that damaged your car. Auto insurance generally covers damage caused by potholes, but only if you have collision coverage. While hitting a pothole may not seem like a collision, car insurance classifies it as such. Actual coverage will also depend on your policy’s deductible.

Collision vs. Liability

Most American drivers have collision insurance, according to the Insurance Information Institute. Even if you only have basic liability coverage, it could still be helpful if you hit a pothole. This is because a pothole could cause you to crash into another vehicle or person accidentally. Liability insurance may protect you from financial claims resulting from such an accident.

You can rely on the experts at Bryan Insurance Agency LLC to help you find auto insurance that covers pothole damage, vehicle collisions, and other driving mishaps. Our independent agency offers a wide range of insurance solutions for New York motorists, homeowners, and business operators. To get started, call 845-565-2200 or visit the Bryan Insurance Agency LLC office in New Windsor, NY.

How Auto Insurance Handles Mysterious Damage: What to Do If You Don’t Know What Happened

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When you walk out of your car, you notice a fresh dent, a deep scratch, or even a broken mirror. There’s no note, no witnesses, and no clear explanation of what happened. It’s frustrating, but the good news is that your auto insurance may be able to help. At Bryan Insurance Agency LLC, we provide auto insurance throughout the New Windsor, NY, area. We help drivers understand their coverage and what steps to take when mysterious damage appears.

Will Insurance Cover Damage with No Known Cause?

The damage type and insurance policy will determine whether you’re covered. If your car was hit while parked and the responsible party left the scene, collision coverage can help pay for repairs. Comprehensive coverage may come into play if the damage is from something like falling debris, vandalism, or an animal. Without these coverages, you might have to handle the costs yourself.

What to Do When You Discover Unexplained Damage

The first step is to document everything. Take clear photos of the damage and check your surroundings for any clues, such as security cameras or nearby vehicles with matching damage. Next, report the incident to your insurance provider. They may ask for details about when and where you last saw your car undamaged, so providing as much information as possible can help with your claim.

Protect Yourself from Unexpected Costs

Mysterious damage can be frustrating, but the right insurance can provide peace of mind. If you’re unsure whether your policy offers enough protection, Bryan Insurance Agency LLC, serving the greater New Windsor, NY, region, can help. Contact us today to review your coverage and ensure you’re prepared for the unexpected.

Does My Auto Insurance Cover Natural Disasters in Windsor, New York

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Living in New Windsor, NY, offers picturesque views and scenic drives through the Catskills and along the Susquehanna River. However, this beautifully landscaped paradise is not immune to the devastating effects left behind by natural disasters like heavy snowstorms, tornadoes, and wildfires. Find out if your current policy covers natural disasters from the professionals at Bryan Insurance Agency LLC.

Does Your Auto Insurance Cover Natural Disasters in New Windsor?

Whether or not your automobile insurance will cover you, your passengers, your vehicle, and other drivers on the road depends on several factors. The most important determining factor is whether you have liability, collision, or comprehensive auto insurance.

  • Liability Insurance: This satisfies state minimum insurance requirements and can help shield drivers from legal, medical, and property damage claims associated with an at-fault auto accident. Basic liability-only insurance policies don’t typically cover damages and losses associated with natural disasters.
  • Collision Insurance: This adds another layer of financial protection to liability-only policies. This next level of insurance coverage provides benefits that help drivers avoid financial losses caused by head-on collisions, sideswipes, and other auto accidents.
  • Comprehensive Insurance combines the basic protective features of liability and collision insurance with another layer of protection for non-collision-related incidents, such as natural disasters.

A well-structured, comprehensive auto insurance policy can protect local drivers who want to protect their vehicles and finances from Mother Nature’s fury.

The best way to find out if your current insurance policy offers natural disaster protection is to contact a trusted local insurance provider who can answer your most important questions and provide tailored advice.

Contact Bryan Insurance Agency LLC in New Windsor, NY

Contact the professionals at Bryan Insurance Agency LLC in New Windsor, NY, for peace of mind and a customized auto insurance quote today!

Why State Minimums May Not Be Enough When Insuring Your Car

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It is not uncommon for New Windsor, NY, area drivers to contact Bryan Insurance Agency LLC looking for quotes on auto insurance at “state minimum levels.” There are several reasons this may not be the best approach. You may be doing yourself a disservice. Here’s why.

Minimums may not be sufficient.

State minimums are designed to provide bare-bones coverage to provide some protection for drivers. This is the lowest acceptable level of coverage for people to drive legally.

If you have better-than-average assets, minimal coverage may not be enough to provide the protection you deserve.

There are better ways to save than reducing your coverage.

You can increase your deductibles and do more comparison shopping to get better rates on your car insurance. Stripping important coverage or lowering limits to minimums may prove to be counterproductive.

Minimum coverage is not always the best “deal."

You can often add protection or increase coverage limits at very affordable rates. If you settle for minimums, you may be missing out on some valuable and affordable protection.

Comparing apples to apples.

Many consumers will compare rates at state minimum levels because it allows them to make an apples-to-apples comparison. That’s fine. But you can also compare quotes at higher levels. You may find improved coverage at the same or a better price when you compare.

Include us in your search.

Rather than searching for state minimum coverage, it may be best to seek maximum coverage at the best price. We can help. Contact us at Bryan Insurance Agency LLC of New Windsor, NY.

Let’s discuss your coverage and your options. We can provide a state minimum quote and show you how a few dollars more can make a significant positive difference.

Risks Of Not Having Proper Auto Insurance

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The primary purpose of auto insurance is to protect drivers on the road. However, many car owners still take the huge and unnecessary risk of driving without insurance. If you are also one of those who decided to skip auto insurance, be prepared to face the following risks:

  • Legal risks. Most states in the US, including the state of New York, require you to have the minimum auto insurance. That means that driving without any auto insurance is illegal and can cause certain legal consequences. 
  • Financial risks. Accidents happen every day, some of which you cannot prevent, even if you are a good and careful driver. Accidents often lead to serious property damage and high medical bills. If you do not have auto insurance, you will have to cover them yourself. 
  • There are risks in dealing with an uninsured motorist. Unfortunately, there are many uninsured motorists. If you are involved in an accident with one of them, you may be left with bills that you have to cover out of pocket, even if you are not the one who caused the accident. 

These are only a few risks that you may face if you decide to get behind the wheel without insurance. As you can see, it is not worth it. Therefore, as a responsible driver, make sure to carry proper car insurance. Do you reside in New Windsor, NY, or any other nearby town and need help choosing the right policy? We at Bryan Insurance Agency LLC are ready to assist you. Experienced insurance agents at Bryan Insurance Agency LLC will answer all your questions and help you find the best policy. Give us a call today to be covered tomorrow. 

Risks Of Not Having Proper Auto Insurance

Posted on by admin

The primary purpose of auto insurance is to protect drivers on the road. However, many car owners still take the huge and unnecessary risk of driving without insurance. If you are also one of those who decided to skip auto insurance, be prepared to face the following risks:

  • Legal risks. Most states in the US, including the state of New York, require you to have the minimum auto insurance. That means that driving without any auto insurance is illegal and can cause certain legal consequences. 
  • Financial risks. Accidents happen every day, some of which you cannot prevent, even if you are a good and careful driver. Accidents often lead to serious property damage and high medical bills. If you do not have auto insurance, you will have to cover them yourself. 
  • There are risks in dealing with an uninsured motorist. Unfortunately, there are many uninsured motorists. If you are involved in an accident with one of them, you may be left with bills that you have to cover out of pocket, even if you are not the one who caused the accident. 

These are only a few risks that you may face if you decide to get behind the wheel without insurance. As you can see, it is not worth it. Therefore, as a responsible driver, make sure to carry proper car insurance. Do you reside in New Windsor, NY, or any other nearby town and need help choosing the right policy? We at Bryan Insurance Agency LLC are ready to assist you. Experienced insurance agents at Bryan Insurance Agency LLC will answer all your questions and help you find the best policy. Give us a call today to be covered tomorrow. 

Why basic auto insurance may not be the right coverage

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Basic auto insurance is what is required by the state of New York to drive legally. It is up to the driver and their insurance agent to make sure they have what they need. Our independent insurance agents at Bryan Insurance Agency LLC in New Windsor, NY, will ensure that you have what is required and what you personally need. 

Basic insurance in New York

Basic auto insurance in New York is liability coverage. It protects other drivers from you. What you must have is 25/50/10. This is $25,000 for one injured person in a single accident, $50,000 for all the injuries in an accident, and $10,000 for property damage. As you can see, these are very minimal figures. If injuries are severe and the vehicle damage is serious, you could find yourself very short of adequate coverage. 

Auto loan or lease?

If you have a vehicle loan or are leasing, you cannot get away with basic auto insurance. You will have to protect the vehicle, not just other drivers. That means having collision and comprehensive coverage. 

Need your vehicle daily?

If you are like most people and count on your vehicle to get to your job, run errands, and get around daily, protecting others and not your vehicle isn’t truly an option. You need to ensure that your vehicle will be repaired or replaced if you have an accident, and you are responsible. This means having collision and comprehensive with a reasonable deductible and maybe full glass coverage and maybe gap coverage as well. 

Contact our Bryan Insurance Agency LLC office in New Windsor, NY, to discuss your auto insurance today. We will make sure you are legal and well covered. 

Three Tips for a Great Auto Insurance Policy

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Getting the best auto insurance policy for your needs is very important, but you might not be sure of the right way to do that. If you’re in the New Windsor, NY area and looking for an auto policy, Bryan Insurance Agency LLC is here to help. Working with an insurance agent can make it easier for you to get your questions answered and choose the policy that’s going to give you the right coverage and the best value at the same time. Here are three tips to get a good policy.

  1. Understand the different types of car insurance to get the coverage you need.
  2. Review your coverage every year and any time you have a significant life change that could affect your insurance requirements.
  3. Trust your agent to shop around and give you options from several insurers for quality and value.

Many people choose the minimum coverage options for the state and then don’t think about their insurance again, but that’s not always the best choice. Both important considerations are how much coverage you need and whether you should have more than just liability protection. If your vehicle is financed, you also have to ensure you’re keeping the lienholder’s required level of coverage on it.

No matter what you’re considering regarding your auto insurance policy, Bryan Insurance Agency LLC can help if you’re in the New Windsor, NY area. Our trusted agents understand that you have questions about your vehicle insurance, and we want to make sure you get those questions answered. Additionally, you need to review and update your coverage periodically, and that’s much easier with an agent to provide help and suggestions for your vehicle protection needs.

How to Handle an Accident with Your Auto Insurance Provider

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Being involved in an auto accident can be a stressful and overwhelming experience. However, knowing how to handle the situation with your auto insurance company in New Windsor, NY can make the process smoother and less stressful. Here are some steps to take when managing an accident with Bryan Insurance Agency LLC:

Stay Calm

It is vital to remain calm and composed after an accident. Check yourself and any passengers for injuries and call for emergency services if needed.

Document the Accident

Please take photos of the accident scene, including the vehicle damage, and gather information from the other driver, such as their name, contact information, and insurance details.

Contact The Insurance Company

Contact your auto insurance company immediately to report the accident and no longer than 30 days. Provide the necessary details, such as the location, date, and time of the accident and the other driver’s information.

Follow Your Insurance Company’s Procedures

Your insurance company may have specific procedures that you need to follow after an accident. Be sure to follow these instructions to ensure that your claim is processed quickly and efficiently.

Provide Accurate Information

Provide accurate information about the accident to your insurance company. Be honest about any injuries or damages that occurred, as providing false information can lead to a denial of your claim.

Work with Your Insurance Company

Your insurance company will work with you to assess the damage to your vehicle and determine the appropriate course of action. This may include repairing or replacing your vehicle or settling any claims made against you.

Keep Records

Record all correspondence with your insurance company, including emails, phone calls, and letters. This will help you keep track of the progress of your claim and ensure that all necessary steps are taken.

In conclusion, handling an accident in New Windsor, NY with your auto insurance company requires you to stay calm, document the accident, contact your insurance company, follow their procedures, provide accurate information, and keep records. By following these steps, you can ensure that your claim is processed quickly and efficiently by Bryan Insurance Agency LLC, and that you can get back on the road as soon as possible.