Category: Auto Insurance

When you get in an auto accident, the first person you call is, of course, 911. They’ll send police and an ambulance over immediately to assess the damage, make reports, and get someone medical care if they need it. If you have any friends or family who would worry about you, you should call and let them know what’s going on. Once that’s out of the way, it’s time to contact your lawyer. The sooner, the better.

Get a Lawyer as Soon as Possible

The insurance company of the other driver may try to minimize their liability. They may try to pressure you into taking a pittance of a settlement. A few more underhanded companies may trick you into stating that the accident was your fault. (If they call you, you are most likely being recorded.) A car accident attorney will advocate for your rights and keep you from falling victim to unscrupulous machinations.

Get Everything That’s Coming to You

After an accident, you may have medical bills and car repairs to think of. But those are not the only expenses to be covered. You can sue for lost wages if you missed work due to the accident. A reasonable attorney can get you compensation for pain and suffering as well as any future medical expenses you may have due to the accident. An attorney can help you argue for this and help you gather all the evidence you need to make your case.

Contact Access Legacy Insurance Group in Brooklyn, NY

Driving in Brooklyn, NY, can be challenging, but you’re tougher! Still, you need insurance. We at Access Legacy Insurance Group gladly help you with any insurance needs.

Deciding on an auto insurance policy involves thinking carefully about the level of deductible that suits your needs. At Access Legacy Insurance Group, we’re dedicated to aiding drivers in Brooklyn, NY, and surrounding regions to make choices that are right for them when taking out auto insurance. Let’s explore what factors should influence your decision on your deductible amount.

Assess Your Financial Situation

Often, a plan with a higher deductible can lead to savings on your insurance premium. However, you would need to be in a position to contend with a significant payout in the event of a claim. If you have sufficient savings for emergencies, such as a damaged vehicle due to an accident, you may be able to opt for a plan with a higher deductible.

Consider Your Driving Record

Your driving record can indicate the deductible level that would be most suitable for you. If you’ve maintained a clean record and have never been involved in an accident, a plan with a higher deductible could be a sensible choice. That’s because you’re statistically less likely ever to file a claim.

Access Legacy Insurance Group is Proud to Serve Brooklyn, NY

We understand that comprehending the complexities of auto insurance coverage can be challenging. Our Access Legacy Insurance Group team is on hand to help. We take pride in serving Brooklyn, NY, and the neighboring areas and would be delighted to discuss how we can ensure effective protection for your family and your vehicle. Contact us today to speak with an experienced insurance agent.

We all have times when some things slip our minds, but letting your auto insurance lapse can ultimately be costly. We’ll discuss what defines a lapse, the potential consequences of letting auto insurance lapse, and ways to avoid it. Access Legacy Insurance Group in Brooklyn, NY is here to assist. 

What Is an Auto Insurance Lapse?

An auto insurance lapse refers to any amount of time that you have a registered vehicle but don’t have current insurance coverage. Some reasons you might have let this happen are missing a payment; you get deployed, your policy running out, you sold your car, no longer driving, or other reasons. As a result, your policy will be canceled by the insurance provider.

Potential Consequences of Letting Auto Insurance Lapse

There are several potential consequences of a lapsed policy, including no financial protection if an incident occurs. In most states, a minimum of liability level car insurance is required, and penalties and fees and even suspension of your driver’s license can occur should your coverage lapse. Many insurers see customers with lapses as being riskier customers. This means almost certainly facing higher insurance premiums when obtaining a new policy.

How Can Auto Insurance Lapses Can Be Avoided

Ideally, it’s best to not let your coverage lapse at any point. However, if it has, there are a few ways to stay mindful of when your payments are due and keep them on track at all times. Maintaining auto insurance can avoid certain costs and perhaps, even save you money. These include:

• Take Advantage of Grace Periods
• Sign Up For Email Reminders
• Consider Autopay
• Keep Your Budget in Mind

Has Your Auto Insurance Lapsed? Call Us!

If your car insurance policy has lapsed for any reason, we can help you with a new policy. Contact Access Legacy Insurance Group in Brooklyn, NY to talk to an agent today.

Driving in the rain can be dangerous for everyone on the road. Rainy conditions reduce visibility, compromise traction, and increase the potential for accidents. To promote road safety and empower drivers to navigate wet roads with confidence. Access Legacy Insurance Group in Brooklyn, NY is here to assist with your auto insurance needs and safe driving tips. 

Here are some driving safety tips for when those rainy days decide to tag along:

Reducing Speed

Rainy conditions lead to slippery roads and reduced traction, so it’s important to be cautious with the gas pedal to prevent skidding.

Give Space

Allow some space between you and the car in front of you. This will act as a cushion just in case things get slippery.

Headlights – Turn On

This will help enhance your visibility and also ensure that you’re visible to others.

Tires

A good tire will help with traction on those sleek roads.

Braking Smoothly

Breaking hard may cause you to end up skidding all over the road.

Cruise Control

It is often considered everyone’s buddy, right? However, when faced with rain, we strongly recommend avoiding using it.

Choose the Tracks ahead of you

This will help your journey go smoother and more securely.

Swaying like a Boat

Stay calm, ease off the gas, and point the car in the direction you want to travel. You should be good to go.

Defogging Your Windows

A foggy window can lead to a hazardous situation.

Puddles may Seem Harmless

But some could be hiding pothole surprises; better safe than sorry.

Keep Your Auto Insurance Updated

Let’s connect today and make sure you and your loved ones are prepared, rain or shine. Reach out to us today at Access Legacy Insurance Group serving Brooklyn, NY and the surrounding areas. We are here to assist you with all your insurance needs. 

Brooklyn, NY is a bustling metropolis with an array of driving hazards such as heavy traffic, pedestrians, and unpredictable weather. Auto accidents can happen when you least expect it, so having adequate auto insurance coverage is essential to protect yourself, your passengers, and your vehicle.

Access Legacy Insurance Group is a reliable and trusted insurance company that offers a variety of auto insurance coverage options to meet the unique needs of Brooklyn, NY residents. We understand the challenges of driving in Brooklyn and the surrounding areas and offer coverage options that protect drivers in the event of an accident.

One of the primary types of auto insurance coverage we offer is liability coverage. This coverage protects drivers from financial liability in the event that they are found at fault in an accident that causes damage to another person’s property or injuries to another person. Liability coverage can also cover legal expenses in the event of a lawsuit.

In addition to liability coverage, Access Legacy Insurance Group offers collision coverage, which helps cover the cost of repairs or replacement of a vehicle damaged in an accident, regardless of who is at fault. We also offer comprehensive coverage, which protects against non-collision events such as theft, vandalism, and weather damage.

For Brooklyn, NY residents who rely on their vehicles for work, Access Legacy Insurance Group offers commercial auto insurance coverage options. This type of coverage provides protection for vehicles used for business purposes, such as delivery or transportation.

Reach Out To Us.

Overall, having adequate auto insurance coverage is crucial for Brooklyn, NY residents who want to protect themselves and their vehicles while on the road. Access Legacy Insurance Group offers a range of coverage options to fit the unique needs of each driver, ensuring that they have the right level of protection in the event of an accident or unforeseen event.

Uninsured and underinsured motorist insurance can provide extra protection for drivers injured in an accident. Typically, Personal Injury Protection (PIP) covers you for accident-related injuries. However, this coverage may not cover medical and other costs in the event of extensive injuries. Talk to an agent at Access Legacy Insurance Group in Brooklyn, NY, regarding your uninsured and underinsured motorist coverage options.

How Does Uninsured and Underinsured Motorist Coverage Work?

If your medical bills exceed your personal injury insurance coverage, you may have to sue the at-fault driver. However, if the other driver doesn’t have insurance or doesn’t have enough insurance to cover your personal injury cost, you may pay the balance out of pocket.

Although every policy works differently, UM/UIM insurance typically kicks in after personal injury insurance has been depleted and you have received any compensation from the other driver’s personal injury insurance. However, if the other driver isn’t insured it doesn’t have enough insurance to cover your personal injury expenses, your UM/UIM insurance may kick in earlier.

New York insurance law § 5217 also specifies that uninsured motorist coverage will cover drivers who are victims of a hit-and-run collision. 

Uninsured Drivers

By law, all drivers in New York must carry auto insurance. However, many people drive without it for one reason or another. If an uninsured driver causes an accident and you are injured, uninsured or underinsured motorist insurance will cover your medical expenses. 

Contact Us Today for a Quote

Would you like to understand better uninsured and underinsured motorist insurance coverage in New York? Reach out to the Access Legacy Insurance Group team in Brooklyn, NY. We would be happy to schedule an in-person meeting to provide a quote. Our pros can help you understand your current coverage handles and make recommendations on UM/UIM coverage.

 

Owning a vehicle comes with a lot of responsibilities. And one of the financial responsibilities you have to contend with is auto insurance. Car insurance can be challenging to understand, especially for new drivers. However, the good news is that Access Legacy Insurance Group of Brooklyn, NY is here to help you understand auto insurance.

Is auto insurance mandatory in New York?

You guessed it right. Auto insurance is mandatory in New York. Failure to show proof of insurance ownership could result in numerous fines and penalties. Again, you have to pay for accident-related damages and bodily injuries from your pocket without auto insurance.

The New York requires you to incorporate the below mandatory coverages in your auto insurance:

Liability insurance

Covers medical expenses for bodily harm caused to other persons in an accident, you are deemed liable. The property damage liability covers losses caused to third parties in an accident in which you are at fault. The liability coverage also protects you against lawsuits.

Personal injury protection (PIP) coverage

It’s also known as no-fault insurance. It covers the below regardless of who was at fault.

• Medical expenses for you and your passengers
• Partial loss of income
• Death benefits

Uninsured motorist insurance

Did you know that over 5 percent of New Jersey drivers aren’t insured? While this may be below the national average of 12.9 percent, it still puts you at risk. You see, uninsured motorists leave a trail of uncovered costs when they cause accidents. Since they don’t have insurance, they are unable to cover emanating medical expenses and property damages. However, when you have uninsured motorist coverage, you don’t have to worry about less responsible drivers.

While the state requires the above auto insurance plans, they don’t protect you optimally. That said, you need to consider the below car insurance options:

• Comprehensive coverage
• Collision coverage
• Roadside assistance coverage

If you are in Brooklyn, NY, and looking for auto insurance, don’t look beyond Access Legacy Insurance Group. Contact us today, and our friendly staff will help secure you and your car with proper auto insurance.

The mission of Access Legacy Insurance Group, located in Brooklyn, NY, is to see New York drivers stay on the roads with the right auto coverage. This way, drivers aren’t only compliant with the law but also protected from various perils inherent with vehicle ownership.

Most drivers understand that they must carry auto insurance, but it can be confusing to determine whether you are carrying adequate auto insurance. With many car insurance ads out there, it can be challenging to determine whether you are carrying the right insurance. Fortunately for drivers, we are here to explain three areas that your auto insurance must cover.

Liability protection

Driving comes with many variables. As such, accidents can occur at any time. And because we can’t predict accidents, your auto insurance must carry liability protection to cover for bodily injuries and property damages you may cause to third parties.

While the state has a minimum liability coverage requirement, your agent should advise whether that policy limit provides you with optimal coverage.

Vehicle protection

Ever thought of risks surrounding your car? Ranging from accidents, theft, vandalism, fire, and other natural disasters, these risks can quickly sink your investment in the twinkle of an eye. However, with the right auto coverage, your insurance should pay for damages or replace your car in case of a total loss.

Medical payments

You must be aware of the rising healthcare costs in America. Now, imagine you or your passengers sustaining accident-related injuries, and you have little or no health insurance coverage. Believe it or not, you would be expected to cover medical expenses from your pocket.

However, when you have medical payments coverage or PIP, your insurance covers medical expenses, funeral expenses, and income loss if you or someone else is involved in an auto accident.

Auto Insurance in New York

Shopping for auto insurance? Your search has ended. Contact Access Legacy Insurance Group in Brooklyn, NY today for all your auto insurance needs.

Motorists often regret choosing less expensive auto coverage down the road. One way they lower their premiums is by forgoing collision coverage. We offer auto insurance coverage, including collision coverage at Access Legacy Insurance Group.

The following are three reasons you need collision coverage on your auto insurance policy in Brooklyn, NY. 

Your vehicle is essential for meeting your transportation needs.

Many consumers out there need their vehicles to be up and running to get where they need to be. That means that you can’t wait around to save up funds to pay for needed vehicle repairs.

If you have collision coverage, you can get repairs performed right away. In fact, collision coverage often includes rental vehicle coverage. This means you’ll get a rental vehicle to use until your vehicle is up and running again. 

Car accidents can result in thousands of dollars of damage to your vehicle.

As a motorist, you need to realize just how much a vehicle accident can cost. If you get in a bad accident, you might need to spend several thousand dollars to get your vehicle running again. Chances are, this is going to put a dent in your savings. 

Collision coverage pays for damages when incidents don’t involve another driver. 

You might feel that you are a pretty good driver, so you’re unlikely to cause an accident. This means you think other drivers involved in an accident will have liability coverage to cover the costs.

However, it’s possible to experience damage to your vehicle with no other motorists involved. For example, a branch can fall and crack your windshield, or your vehicle could experience damage if you drive over a bad pothole. 

Collision coverage covers the costs of damages to your vehicle in situations like these, where you can’t rely on another driver’s liability coverage. 

We can offer you collision coverage on your auto insurance policy in Brooklyn, NY at Access Legacy Insurance Group. Get in touch with us to learn more.