The team at NY Twin Bridges Insurance Agency is here for all of our clients in the Albany, NY area. That means we’ll be here for you through good times and bad. If you have been in an accident, let us help with the claims filing process and help make the experience a little less stressful!

What to do after an accident

The first and most important step after an auto accident is to seek medical help. Many common injuries for people involved in an accident are soft tissue injuries such as whiplash and shoulder strain. Due to the nature of these injuries, you may feel fine immediately after your accident. Because of this, it is important to always get a physical examination, even if you feel fine and think that the accident was a minor one. 

Notifying the police of an accident is not always required if there aren’t any significant injuries. If you feel like the other party involved in the accident is less than trustworthy, it may be worth your time to have the police come to make a report. After you have received medical attention and traded insurance information with the other involved parties, you will want to begin the claims process and take the necessary steps to have your vehicle repaired. If your auto policy includes roadside assistance, you will be able to quickly and affordably get your car towed to a repair shop. Be sure to take your vehicle to a reputable repair shop or dealership for any necessary repairs.

Contact us, we can help!

The NY Twin Bridges Insurance Agency is proud to serve the insurance needs of our Albany, NY community. If you would like to learn more about the auto insurance options available in our area, call or stop by today!

NY Twin Bridges Insurance Agency serves the Albany, NY community. We offer our clients custom policies that align with their unique needs. We have relationships with various carriers throughout the Northeast. We are proud to serve as an independent agency.

Benefits Of Roadside Assistance

Auto insurance covers you while you deal with the unique risks of operating a vehicle. Collision coverage protects you if your car is damaged due to an impact on another object. Liability coverage is the foundation of your policy. Accidents can happen at any moment. If you are held responsible for injuring someone or damaging property, liability coverage protects you. Comprehensive coverage protects your vehicle if it suffers damage in unique ways such as a fire or natural disaster. You are also covered if your vehicle is stolen. You can also add several types of coverage for extra protection. One of the most common add-on policies is emergency roadside assistance. Imagine traveling out of Albany, NY and suddenly your engine shuts off. Here is a look at some other benefits of roadside assistance.

Lockout Service

Roadside assistance will offer urgent service if you lose your key, have it stolen, or you’ve been locked out of your vehicle.

Flat Tire

If you are driving, and you hit a bump, your tire may be damaged. In severe cases, you will have to deal with a flat tire. Roadside assistance covers you if a mechanic has to come out and change your flat tire.

Towing Service

Roadside assistance also covers you if you opt to have your vehicle towed because of the flat tire or if your vehicle won’t start due to mechanical issues.

NY Twin Bridges Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

NY Twin Bridges Insurance Agency is here to provide Albany, NY area residents with the information they need to make an informed choice when it comes to auto insurance. Meet with us before you purchase your next car and we will help you determine the right policy for your needs.

What to look for when buying your first car

In most areas, reliable transportation is a must. When you have a vehicle that can get you from Point A to Point B without much worry, your life can be a lot less stressful!

If you are in the market for your first car, consider the following when making your decision:

• What will the primary use of the car be – your needs will be different if you are looking for a car to commute to work than if you need transportation to take the kids to school and their activities.
• What is your budget – no one wants to be saddled with a high monthly car payment. Figure out your budget in advance and stick to it when you get onto the lot.
• Insurance shouldn’t be an afterthought – a comprehensive auto policy is an important part of responsible vehicle ownership. Don’t leave your insurance shopping to the last minute, take the time to find the policy that’s right for you!

Give us a call today to find out more!

If you are in Albany, NY and are in the process of purchasing your first car, give us a call today. The team at NY Twin Bridges Insurance Agency is here to help you find the policy that is right for your needs.

For many people, auto insurance is a must-have. You don’t want to get caught on the road without proof of insurance. So, what happens if you do not have a car? Do you still need to have auto insurance?

NY Twin Bridges Insurance Agency knows that you have a lot of questions about auto insurance in Albany, NY. These are a few reasons why we might recommend auto insurance even if you are not the owner of a vehicle.

You Plan to Buy a Car

If you intend to buy a car in the near future, you should keep your auto insurance. When you leave the car lot, you likely need to provide proof of insurance before you can take a car with you.

You Drive Another Car Frequently

If you borrow a roommate or partner’s car often, you should be added to their insurance policies as an additional driver. This prevents your roommate or partner from facing consequences if you are in an accident or you cause damage to their vehicle.

You Rent Cars

If you rent cars frequently, it is important that you have insurance as well. This will help you save money on vehicle rentals and protect you from liability and other issues that may arise.

You Drive For Work

If you drive for work, you may need your own auto insurance. Every employer has different requirements for insurance, and this is something worth discussing with an insurance agent.

Consult With an Auto Insurance Company Today

Are you unsure if you need auto insurance? NY Twin Bridges Insurance Agency can help you determine if getting auto insurance is the best option. Our Albany, NY drivers have many options to choose from. Contact our office to learn more.

If you have decided to purchase collision coverage, you want to make sure that you have the right amount of coverage to meet your needs. NY Twin Bridges Insurance Agency, which serves the drivers of Albany, NY, provides collision coverage and other services. If you are trying to figure out how much collision coverage is enough, here’s what you need to know.

Understand the Role of Collision Coverage

If you want to make sure that you have enough collision coverage, you first need to know what the coverage entails. In most cases, collision coverage covers damage to your vehicle caused by other drivers and collisions with objects, like trees and rails.

Consider the Value of the Car

If you want to make sure that you have enough collision coverage, you need to determine the value of your vehicle. Subtract the cost of the deductible from your car’s value. Then subtract the cost of your collision policy from the figure. This number represents the most your collision insurance may be valued if your vehicle is totaled.

So, what can you do with this number? A large number indicates how much of your car can be paid off with the policy in question. If the number is small or negative, you might want to consider increasing your insurance.

Speak With an Insurance Professional

The best way to make sure that you have the right amount of collision coverage is to speak with an insurance professional who can help you adjust your policy. Contact NY Twin Bridges Insurance Agency, which serves Albany, NY, for more information about getting the best collision auto policy for your vehicles.

If you are an adult who lives with your parents or frequently allows a parent to use your car, it may be a good idea to add a parent to your auto insurance policy. In fact, people often add family members to their auto insurance policies, and there are many good reasons for this.

NY Twin Bridges Insurance Agency understands that you want to protect your property as well as your loved ones. Here’s what you need to know about adding your parents to your insurance policy in Albany, NY.

Protect Yourself Legally

As much as you might worry about covering the costs of a car if your parent gets into a car accident, you should also understand that you could still have liability for injuries and property damage caused by others. For example, you could be sued as the owner of a vehicle if you don’t have insurance to cover the injuries your parent caused.

Consider Your Parent’s Driving Habits

If your parent has a history of being involved in certain types of accidents, take this into account when you choose an insurance policy you want to add them to. For instance, you might want to add comprehensive insurance if you know that your parent often parks near a shopping art coral, potentially putting your vehicle at higher risk of dings.

Speak With an Insurance Agent

Before you make any decision about adding a family member to your insurance policy, you should speak with an insurance professional. NY Twin Bridges Insurance Agency provides auto insurance for many Albany, NY residents. If you want to discuss putting a family member on your auto policy, our team can help you discuss the choice.

Albany, NY residents can count on the team at NY Twin Bridges Insurance Agency for all of their insurance needs. Did you know that changes in your driving habits can change your policy needs? If it’s been a while since you last reviewed your coverage, give us a call today.

Your auto protection needs to change when your life does

Many insurance policies are structured around your driving habits. For example, if your commute is 25 miles each way, you will have a different policy than someone who drives over 150 miles each day to their office. The distance and number of miles that you drive each year can have a significant impact on your policy.

The same holds true if you now have more people, or fewer, using the vehicle. Be sure that if your teenager is now using your car, they are named on the policy. Because of these reasons and more, we recommend that, rather than simply renewing your policy, you take a closer look. Auto policies should be an accurate reflection of who is using the vehicle and how. Don’t let changes make your policy less effective. Keeping your policy up to date can help you stay protected, no matter how your life changes!

Need to update your auto policy? Give us a call today!

NY Twin Bridges Insurance Agency wants to ensure that our clients in the greater Albany, NY have the protection they need. If it’s been a while since you’ve taken a close look at your auto policy, call or stop by our office today!

NY Twin Bridges Insurance Agency serves the Albany, NY community. We are an independent insurance agency. Working with multiple carriers allows us to offer a wide variety of policies. We strive to make sure that our clients are protected in every situation.

Is Comprehensive Coverage Recommended For A New Car?

Auto insurance helps you stay safe on the road while you travel around Albany, NY. Your auto insurance policy covers you if you are involved in a collision with another vehicle or object. Auto insurance also covers any passengers in your vehicle if they suffer an injury. Liability coverage protects you if you are ruled to be responsible for any damages or injuries caused as a result of the accident.

If you have a new car, consider the benefits of comprehensive coverage. Comprehensive coverage protects your vehicle if it’s stolen, vandalized, or damaged due to a fire. Comprehensive coverage is a great way to protect your investment against unique risks. If your new car is totaled, comprehensive coverage can help reduce the stress that you’ll feel over the accident. In addition to comprehensive coverage, you can also add extra coverage in order to fully protect your vehicle in every situation. You can add emergency coverage so that you will receive roadside assistance if your vehicle has a flat tire, or you’ve run out of fuel. You’ll also have access to emergency towing services. Umbrella insurance is another option. If you are held responsible for a serious accident, umbrella insurance adds another layer of protection above your auto liability coverage.

NY Twin Bridges Insurance Agency Will Help You Protect Your Investment

Visit our website to learn more information about auto insurance.  

In the Albany, NY area, owning a car is a good idea. If you are a vehicle owner here, you will find it is a lot easier to get around the area and complete your commute. As you are looking for a car, you should spend time assessing all of your insurance needs. You will need to have an auto plan here for several reasons.

Coverage is a Legal Requirement

A reason all people need to consider getting this coverage is that it is a legal requirement. Those that want to drive a vehicle in New York need to maintain auto insurance with liability coverage. This gives support in the event you cause an accident and need to cover damages. Those that do not maintain this coverage at a minimum will be in violation of this law. 

Coverage Required by Loan Providers

You also will need to have insurance for your vehicle as it is often a requirement for loan providers. Vehicles are quite expensive and taking out a loan is common to ensure you can afford the purchase of the vehicle. If you do purchase a vehicle with a loan, you will need to carry the proper insurance. This often requires that you have a full collision and comprehensive plan that will protect your vehicle, which is the lender’s collateral for the loan. 

When you are in the Albany, NY area and would like to get a new insurance plan, calling the NY Twin Bridges Insurance Agency is a good idea. There continues to be a lot of choices to make when looking for an insurance plan and NY Twin Bridges Insurance Agency can help you ensure you pick the right plan for your situation. This can help ensure you and your vehicle remain properly covered. 

Natural disasters such as floods and earthquakes happen unexpectedly in all parts of the world. They cause massive property loss thus need to insure the property. Vehicles are mostly affected by floods which wreak havoc with the car, damage engines, and cause electrical failures which ruin it. NY Twin Bridges Insurance Agency in Albany, NY, is one of the most trusted companies in providing flood insurance.

Is Flood Insurance Important?

Flooding is among the list of the costliest natural disasters that affect a nation. It is difficult to predict future climatic conditions. Insuring a car against floods gives the owner satisfaction to know that any unbudgeted and unexpected flood-related damages are covered.

Living Outside Flood Designated Areas

The government uses scientific models to predict where flooding will occur next. The models become quickly outdated hence may not fully reflect today’s risk for flooding. Evidence shows that more than 20% of flood insurance claims fall outside areas marked as flood zones, suggesting that possessing a cover is extremely important regardless of location.

Flood Damages Are Costly

FEMA reports that flooding causes billions of dollars in damage every year, with an average of $8.2 billion in damages annually. It indicates that the price of purchasing flood insurance is way low compared to the losses incurred. Without car flood insurance, you’d pay for the costs of repair and renovations entirely on your own.

What To Know Before Purchasing Flood Insurance

It is easy to purchase flood cover directly from a professional dealer. The waiting period is usually 30 days before a flood insurance policy takes effect. It’s thus better to make the purchase earlier.

Purchasing Flood Insurance

When buying a flood insurance package, it is wise to discuss with an insurance agent to figure out several factors. These include how much coverage to buy, the cost of flood insurance, the duration of cover, what it exactly covers, among other critical facts. If you are in Albany, NY, and you are looking for a reliable insurance partner for your motor vehicle, reach NY Twin Bridges Insurance Agency today for excellent services.