Should I Let Someone Borrow My Car?

Friday, December 14th, 2012

Borrowing a car info | Newburgh NY 12550There are times when you need a friend to run an errand for you, a co-worker may need to borrow your car to do company business, or a family member may need to borrow your vehicle.

Should you let someone borrow your car? And, if an accident does happen, will that person be covered under your insurance policy?

Life happens. There are times when you need a friend to run an errand for you, a co-worker may need to borrow your car to do company business, or a family member may need to borrow your vehicle. What do you do?
Lawyers.com, says “Generally, insurance coverage ‘follows the vehicle.’ As long as a driver has the vehicle owner’s permission to use it, the owner’s policy will provide coverage no matter who the driver is. Whether you’re lending or borrowing a car, the vehicle owner’s policy should cover injuries and property damages. “There can always be exclusions within any policy. About.com brings out one example, “If a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.”

It is always best to consult your independent insurance agent regarding specifics to your individual policy. These licensed professionals are qualified to help you make the right choices and clarify any confusion.

“The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.”

Holiday Safety

Wednesday, November 21st, 2012

Here is a video the insurance companies put out about turkey frying gone wrong and the major disaster it could turn into. Please be careful if you this is your method of cooking the turkey is part of your holiday tradition.

To learn more, such as what is covered for homeowners under your policy or how Joe DiCesare Insurance Agency, Inc. can help, please contact Joe DiCesare.

Joe is an independent insurance agent who has provided professional insurance advice for those in Newburgh, New Windsor and Marlboro, NY and the entire mid Hudson area since 1987.

Getting Ready for a Hurricane

Friday, October 26th, 2012

Car Under Trees | Hurricane Insurance | Newburgh NYAs we on the east coast batten down the hatches in preparation for the FrankenStorm I wanted to share with the people of Newburgh, NY tips on preparing for a hurricane which were prepared by Travelers Insurance.

I assume most of you have already pulled your boats for the season, moved your cars into garages, or away from trees and stocked up on batteries.  To learn more, such as what is covered for hurricanes under your policy or how Joe DiCesare Insurance Agency, Inc. can help, please contact Joe DiCesare.

Joe is an independent insurance agent who has provided professional insurance advice for those in  Newburgh, New Windsor and Marlboro, NY and the entire mid Hudson area since 1987.

 

Photo Credit: Flickr

Insuring Your Teen Driver

Saturday, October 6th, 2012

teen driver | insuring teen driversBeing a teenager is seen by society and our culture as the stepping stone between childhood and adulthood; it is the practice ground, so to speak, for the responsibilities and hardships of real adulthood. One of the most valued ways that teens move ever so closer to adulthood is via getting their own car and learning responsibility that way. With this automatically comes the issue of whether a teen should get his own auto insurance or just be added on to his mom and dad’s policy. The parents of any teen will likely look to price as the determining factor in deciding whether or not to allow a teen to get his own policy or to stick with the parents’ policy.

Getting a Teen Insurance

First of all, the question arises of when a teen needs auto insurance. Parents might not know the following, yet in most states in the U.S., teens with a permit who are just learning to drive are instantly and automatically covered by the insurance of their parents, so long as they are under supervision while they are learning to drive, that is. In that way, this teen auto insurance is already in effect, but you must remember that this only extends to the time when a teen has a learner’s permit.
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