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Emerling Agency, LLC Blog: auto insurance

View the latest blog posts from Emerling Agency, LLC.

October- January are the most common months for deer hits in New York.  These are the most common questions from readers about deer-vehicle collisions and their car insurance policies. I hit a deer. Am I covered? To be covered for a run-in with a deer, you need to have comprehensive coverage as part of your car insurance policy. READ MORE >>

Comprehensive (often referred to as "other than collision") coverage is one type of protection available on an auto insurance policy (others being collision, uninsured motorist, etc.). Comprehensive coverage pays only for damage caused by an event other than collision, including: Fire Theft READ MORE >>

Insurance Myth: Older cars are cheaper to insure- FALSE! Car insurance rates for all vehicles vary depending on several factors, such as who drives a vehicle, garaging location, and its annual mileage.   READ MORE >>

Motorcycles made up just 3 percent of all registered vehicles in the United States in 2015, but motorcyclists were 29 times more likely than private passenger occupants to die in a motor vehicle crash and five times more likely to be injured, according to statistics from the National Highway Traffic Safety Administration (NHTSA). READ MORE >>

To ensure a poorly maintained vehicle doesn't contribute to an accident, National General has put together a few ways you can keep your cars in top condition. Tires According to the National Highway and Traffic Safety Administration, 9% of all car crashes in the United States were preceded by some sort of issue with the tires of the vehicle (e. READ MORE >>

A common question we get is, "do I need to buy rental car insurance"?   The simple answer to that question is "no".   If you are renting a vehicle anywhere in the United States, its territories or possessions, and Canada under a rental agreement with a term no longer than 30 continuous days, your auto insurance will provide coverage. READ MORE >>

Living in Buffalo, we all know what driving with snow covered and slippery roads is like.  Check out these 10 tips on winter driving: 1. Winterize your vehicle - Check your battery, front and rear defrosters, fill up the washer fluid and antifreeze, inflate your tires to the correct pressure, and keep your gas tank at least half full to avoid frozen fuel lines. READ MORE >>

As the outdoor temperature gradually drops, deer activity and deer-vehicle accidents increase. Every year across the country, deer-vehicle accidents account for billions of dollars in vehicle damage, thousands of injuries and hundreds of fatalities. These tips can help you avoid a collision with a deer and stay safe while on the road. READ MORE >>

In today’s overscheduled world, any information that isn’t at your fingertips is out of sight, out of mind. So when you set down the mail, it’s easy to forget about that ticket you need to pay from when the motion-sensor camera caught you driving through a red light. READ MORE >>

Insurance Myth: My car insurance rates will be similar to my neighbor's rates- FALSE! Auto Insurance rates are individually determined, so factors such as age, driving record, credit, type of vehicle, and marital status are considered.  Do you own your home or rent?  Any other household members? READ MORE >>

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