If you drive in Albany, NY, you know that you need to carry insurance to drive. Hopefully, you spoke to your agent when you purchased your policy so you would understand the terms of your policy. At NY Twin Bridges Insurance Agency, we make sure everyone knows that we are happy to spend as much time as they need answering any questions they may have. But it doesn’t do much good to have insurance if you don’t know how to use it. 

One of the most important things to do after an accident, even if you don’t think you are at fault, is to make a report. The law only requires the report if damages exceed $1,000 or if there is an injury, but people don’t always know how much repairs cost or if they have whiplash until later. You don’t want to get into trouble for breaking the rules because the penalties can be serious.

New York is a no-fault state, so it doesn’t matter who caused the accident. You will need to submit the claim through your own insurance company, and they are responsible for paying. If you were in a vehicle, you should file with your own company, but if you were a pedestrian and hit by a vehicle, you will need to file with the company that insured the vehicle which hit you. If you live in Albany, NY but get into an accident in another state, you will still be able to file your claim through your own insurer.

When you notify your insurance you are filing a claim, you will get an application to fill out that explains your benefits, rights, and responsibilities. Go ahead and take care of it right away to get things started, but don’t forget there are time limits too. If you have any questions or need to purchase an auto insurance policy for yourself or someone else, feel free to call NY Twin Bridges Insurance Agency today for a free quote.