Does my auto insurance cover me driving for Uber or Lyft?

Acme Insurance Brokerage knows that many people in Amityville, NY, and its surrounding areas work second jobs, including gig work, such as driving for Lyft or Uber. Whether personal auto insurance covers you while you drive at your gig has become a common question among gig workers.

Personal Auto Insurance Covers You Off the Clock

The personal auto insurance you purchased to register your vehicle does not automatically include coverage for driving as a gig worker. You need to add a rider called rideshare insurance for full coverage. It only covers you while you drive for personal reasons.

Uber and Lyft Provide Some Coverage

The rideshare apps Lyft and Uber provide some coverage for their drivers. According to Car and Driver, the rideshare app coverage only protects you with an active rider request or a rider in the vehicle.

You need to add rideshare insurance to your auto policy to cover you when you have the app open but have yet to accept a ride request. The app’s insurance provides you with liability coverage at this time but not with collision or comprehensive insurance coverage. If you cause an accident, you will get stuck with the repair bill for your vehicle. If a deer runs out in front of your vehicle, you would not be covered without rideshare coverage.

Personal Auto Coverage Doesn’t Apply Once You Open the App

If you decide to take a lunch break and close the app, logging out in the process, your personal auto insurance covers anything that happens during lunch. While you remain logged out of the ride-sharing app, your personal coverage protects you.

Contact Acme Insurance Brokerage Today

Contact Acme Insurance Brokerage today to add rideshare insurance to your personal auto coverage. Don’t drive unprotected in and around Amityville, NY.

Questions you should ask an agent before purchasing auto insurance

Choosing auto insurance is one of the most important things if you own a car. However, it might not be easy because there are many insurance options. If you are currently shopping for car insurance, here are the questions you should ask an insurance agent to make the right choice. 

What Questions Should You Ask an Insurance Agent When Choosing Auto Insurance?

The purpose of any insurance agent is to help you find the perfect insurance option based on your budget and needs. However, it would be best if you asked them the right questions:

  • What does my insurance cover? It is essential to understand that different insurance companies have different insurance options. Ask an insurance agent about coverage options before buying any insurance plan. 
  • If my car is totaled, how much money will I receive? If you get involved in a car accident, you want to ensure you receive a fair claim check. For this reason, you should discuss in advance the amount you will be paid if your car is totaled. 
  • Who else besides me can drive my car? You should always ask an insurance agent who may or may not be considered a secondary driver on your auto insurance. This will help you avoid issues with your insurance and claims in the future. 

Acme Insurance Brokerage – Trustworthy Insurance Company Serving Amityville, NY

Are you searching for auto insurance in Amityville, NY, or any other nearby town in New York? Do not hesitate to contact Acme Insurance Brokerage – a local insurance company specializing in different types of insurance, including auto insurance. Our qualified and knowledgeable insurance agents will help you find an insurance plan to address your personal insurance needs and provide the coverage you deserve. Please do not hesitate to contact us to know more details. 

Driving Without Auto Insurance is Not Worth the Risk

Why complicate your life? Driving without car insurance does just that. Every state except Virginia and New Hampshire requires insurance and proof of financial responsibility to drive on public roads or own a car. Driving uninsured is a crime. Contact Acme Insurance Brokerage in Amityville, NY, and allow them to explain further why it is foolhardy to risk a license suspension, hefty fine, or possibly jail time.

The penalties will vary from state to state but are consistently tough. You will probably lose your license, receive a costly ticket, have your vehicle impounded, or pay hundreds of dollars in potential fines. The penalties are tougher if you are in an accident or committing another violation, such as driving under the influence of drugs or alcohol or speeding.

It is even illegal to drive out of a dealership’s lot without an active insurance policy. You cannot be without it if your car is parked or driven on public property.

If you have a current policy, your insurer may grant a grace period of up to 30 days after the payment is due, allowing you to pay your premium and avoid a lapse in coverage. After the grace period is exhausted, allowing your coverage to lapse will lead to higher premiums in the future. Your car will still be covered during the grace period, however.

If you find you do not need to drive your vehicle for some time, it does not need to be insured if it is parked on private property or garaged.

It isn’t worth the risk and aggravation to drive unprotected. The consequences can fill your life with distress and worry. Contact the Acme Insurance Brokerage today, so that does not happen.

Does your auto policy provide features you don’t use?

As auto policies evolve to provide more benefits, the team at Acme Insurance Brokerage is here to guide residents in the Amityville, NY area through the policy selection process. We understand that choosing the right auto insurance policy for your needs can often be confusing. Let us help!

What features does your auto policy provide?

You may have more protection and benefits than you realize when it comes to auto insurance policies. Today’s policies can offer everything from roadside assistance services to coverage for rental cars if your car has been damaged or destroyed in a covered accident or incident. Auto insurance can be more than just protection from accidents or theft. 

We find that our clients are often paying for features that they don’t use and are unaware of! If you haven’t taken a close look at your policy and its benefits, now is a perfect time to do so! You may have features that you aren’t taking advantage of. Reviewing your vehicle policies is always a great idea.

If, after your review, you find that there are additional features that you would like to have, it may be time for an upgrade! Today’s policies can be comprehensive and provide a high level of coverage and protection. If you want exceptional coverage, now is a great time to find out what features are available in our area.

Learn more about your auto policy options today!

Acme Insurance Brokerage is here for the Amityville, NY community. If you have questions about insurance, we can help! Give us a call, or stop by our office to learn more about your insurance options.

Why Does Auto Insurance Matter?

If you own a car or have plans to purchase one soon, you’d better heed the advice by Acme Insurance Brokerage in Amityville, NY, and purchase auto insurance. Obtaining auto insurance offers you a wide range of benefits — some of which have been highlighted in this post. 

Liability protection

Regardless of your driving experience, there’s a possibility of you crushing other vehicles on the road or hitting pedestrians. If this does happen, you can be held responsible since it is your car that caused the mess. 

You’d be required to bear the costs of repair (if other cars were damaged) and treatment costs (if anyone was hurt). Since you weren’t ready for such costs, they can significantly inconvenience you. However, with auto insurance, your insurer would offer a helping hand. 

Compliance with the law

In New York, it is a requirement by the law that you obtain auto insurance when driving on public roads. Driving without proper insurance coverage has many consequences such as:

  • Getting your driving privileges suspended
  • Incurring a fine of up to $1,500 and an additional $750
  • Getting your car impounded 
  • Facing a 3-month jail term

Protection of your asset /car

If your motor vehicle suffers damages due to accidents, fire, or other covered perils, your insurer will step in and bear the repair costs. And if the car is damaged beyond repair, the insurance company will replace it with a new one.

Medical Payments

If you cause accidents that result in injuries while driving, your auto insurance company will pay the costs of treatment for those injured, and this will save your pocket significantly. Similarly, if you or your passengers sustain injuries following an accident, MedPay or PIP coverage pays for the medical costs.

Buy Auto insurance today

Anything can happen on the highways when your least expect it. Don’t assume that you are a pro driver who doesn’t need auto coverage. Instead, be wise and contact Acme Insurance Brokerage in Amityville, NY for an affordable auto insurance quote.  

What is Collision Coverage

What comes to your mind when you come across the term collision insurance? Perhaps, you think that it’s a coverage that caters to every bill after a car crash. That’s not any further from the truth.

Collision insurance coverage only pays for car repair or replacement when involved in a collision with another vehicle or object, such as a fence. The policy may also cater to expenses incurred if a noninsured or underinsured driver hits your car.

Is Collision Insurance Mandatory

While collision insurance is not mandatory in Amityville, NY, lenders will require you to have the coverage to lease a vehicle.

What Does Collision Insurance Entail?

Collision coverage covers the expenses incurred after car damages resulting from;

  • A crash caused by another driver
  • If your vehicle hits an object
  • When another driver hits your car and lacks enough insurance to cater to the incurred costs

Nonetheless, you must prove that the other driver was at fault for the accident before filing a claim.

What is Not Included in Collision Insurance?

Collision coverage does not include;

  • Damages to your car as a result of situations that are not related to driving, such as theft, fire, or hail
  • Medical bills resulting from an accident
  • Damages to another person’s car

What is Collision Coverage Deductible?

The collision deductible is the amount deducted or subtracted after a collision claim depending on your chosen amount. However, you must ensure that the damages’ cost must be lesser than the deductible amount for the insurer to pay for the damages.

Contact Acme Insurance Brokerage for Collision Coverage

You can trust us at Acme Insurance Brokerage for quality collision coverage in Amityville, NY. Having insurance gives you peace of mind while on the road, knowing that your expenses are covered if the unthinkable happens. Contact us today for further advice on the same and to get a quote. 

What are the benefits of getting an auto insurance policy?

Driving a car is a very common task for those that are in the Amityville, NY area. When you are a car owner in this area of New York, it is important that you get a good auto insurance policy. There are several benefits that come when you get this type of insurance for your vehicle. 

Receive Coverage to Protect Vehicle

One of the advantages of getting an auto insurance policy is that it will protect your vehicle. When you buy a car, you are going to be making a big investment that you should always do your best to protect. The best way that you can do this is by getting an auto insurance policy. When you get a policy with comprehensive and collision coverage, you will receive protection for a variety of situations that could result in a loss.

Receive Liability Protection

Another advantage of getting an auto insurance policy is that you will receive liability protection. If you drive a car and cause an accident, it will be up to you to pay for the damages. Fortunately, you can offset this risk by getting a full auto insurance policy that includes liability coverage. Having this coverage is also a requirement if you want to drive on a public road. 

Ultimately, those that are in the Amityville, NY area will need to have auto insurance at all times. When you are looking for a policy that is ideal for your situation, it would be a good idea to call the Acme Insurance Brokerage. When you call the team at the Acme Insurance Brokerage, you can learn a lot more about how auto insurance can protect your vehicle. They can then work with you to build a policy that is ideal for your situation. 

What Do I Do If My Car Is Damaged While Sitting in a Parking Lot?

When you go shopping and you leave your car in a parking lot, you run the risk of someone hitting it with a car door or cart. It may also be hit by another vehicle. If you come back to your vehicle and notice that it has been hit or damaged in any way there are certain steps you need to take in order to report your claim. The agents of Acme Insurance Brokerage serve residents who live in Amityville, NY and the surrounding communities. They can assist you in getting your car fixed and possibly finding the person who hit your vehicle and left the scene.

Notify the Police

If the damage is extensive, your first step should always be to notify the police and fill out a report. The police can get access to any videotape footage from surrounding stores to try and figure out what exactly happened. If they are able to identify the person driving the car, they may be charged with leaving the scene of an accident.

Document the Scene

The next step is to document the scene. This can be done in two ways. First, take notes and write down as much information as you can remember. Use your cellphone to take as many photographs as possible. Take them from all different angles so you have a good vantage point.

Call Your Insurance Agent

Call your insurance agent. The agents at Acme Insurance Brokerage can help you file and process your claim. If you live in Amityville, NY, call one of the agents to find out what you should do if you ever find your car damaged in a public parking lot.

No-Fault Insurance, Liability Coverage and Comprehensive and Collision: What are the Differences?

Terms. such as no-fault insurance, liability coverage and comprehensive and collision, are frequent insurance terms. While you may have heard them, you need to truly understand their differences. Turn to the trusted agents at Acme Insurance Brokerage. They serve the needs of drivers in the Amityville, NY area and are ready to work for you!

No-Fault Auto Insurance Policies

New York is a no-fault insurance state. With this type of coverage, anyone in the vehicle, including passengers is covered. This also includes anyone who is injured in the accident while walking by or crossing the street. It will cover medical expenses and loss of income. It goes into effect regardless of who is at fault for the accident. In NY, there are some limitations on policy activations until it is found that the injuries are serious. Examples of serious injuries include bone fractures or disfigurement.

Liability Coverage

NY State requires that drivers carry minimum liability coverage. Liability insurance, though, only covers the repair costs and medical expenses of the other person in an accident where you are found to be at fault. It does not cover your repair or medical expenses. As these policies have monetary caps, if their expenses exceed that amount or they decide to sue, the policyholder is responsible for any additional funds. Generally, this is not the best way to go financially.

Comprehensive and Collision Policy

These provide better coverage for a range of events. It will cover repair costs and medical expenses. It will also protect you if your vehicle is stolen. This can be a better option.

It’s important to invest the time with a trusted agent to discuss your coverage needs. In the Amityville, NY area, the agents at Acme Insurance Brokerage are ready to serve you.  Give them a call then visit their office today!