What Does Uninsured/Underinsured Auto Insurance Cover in Brooklyn, NY?

Posted on March 31, 2022April 11, 2022 by admin

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.

How do employees access workers comp insurance?

Posted on February 15, 2022February 3, 2022 by admin

When your business grows and you hire employees, your company will need workers’ compensation insurance. Let Access Legacy Insurance Group, serving Brooklyn, NY, help you obtain this insurance, as required by each state.

What is workers’ compensation insurance?

Workers comp policies, as they’re also called, insure your business against the costs of medical care and settlements related to on-the-job injuries and illnesses. If your employee gets hurt while performing their job duties, the workers’ comp insurance pays for their injury treatment and pays a percentage of their wage if they must miss time from work for treatment or recovery.
By purchasing workers’ comp insurance, you save yourself the out-of-pocket expense of paying a legal settlement. Workers comp provides a reliable method for your employees to obtain injury treatment, rehabilitative care, and a settlement for their injuries if the accident or illness caused permanent damage.

How Workers Comp Works

This type of insurance protects your employees since they know that if they slip and fall at work, whether they sprain an ankle, or break their leg, the insurance provides for their medical care without them needing to solely rely on their medical insurance. It also means that while they cannot work, they still receive a portion of their pay.

The workers’ compensation program provides a safety net for their health. When they incur an injury, they first go for emergency treatment. As soon as possible after they have received emergency medical care, they should file for workers’ comp by filling out the paperwork provided by the human resources department or available from the NY workers’ comp website. It covers hospital stays, doctor visits, medical equipment, etc.

Let Access Legacy Insurance Group, serving Brooklyn, NY, help you easily meet state legal requirements for workers’ comp insurance. Contact us today to discuss your insurance options.

What’s NOT covered by renters insurance?

Posted on January 24, 2022February 3, 2022 by admin

Many would agree that renters insurance is a wise investment for a relatively small price. However, as a renter, you should familiarize yourself with the items and scenarios where renters insurance wouldn’t provide coverage. Renters insurance covers any things. You are covered in the event of theft, some natural disasters, vandalism, and damage to your personal property. However, it’s best to read between the lines when it comes to what’s not covered under a renters’ insurance policy.

Natural Disasters that Aren’t Covered

Although renters insurance covers damage from natural disasters like fires, volcanic eruptions, wildfires, and tornadoes, it doesn’t cover damage to your belongings caused by floods, earthquakes, and sinkholes. Many natural disasters are covered under a renters’ insurance policy, but it is important to ask if you have specific concerns about coverage when it comes to natural disasters.

What Else isn’t Covered?

Damage from insects and rodents isn’t covered and your roommates’ belongings won’t be covered by your renters’ insurance policy. Also, damage to the exterior of your rental property wouldn’t fall under a renters’ insurance policy either. These are the details that renters should be aware of because there may be a need to purchase more insurance to meet a specific coverage need. Although theft is covered for items that may be stolen from your car, damage to your car itself wouldn’t be covered.

Renters insurance covers many things, even spoiled food, but it is important to read the fine print and fully understand your coverage. Our team would be honored to help you navigate understanding renters insurance and choosing a policy that suits your situation. Our team at the Access Legacy Insurance Group of Brooklyn, NY is committed to educating our customers on the ABCs of renters insurance and how a standard policy works.

What boat insurance do you need

Posted on December 13, 2021December 9, 2021 by admin

A boat is an incredible purchase that you can enjoy for a long time, sometimes even the rest of your life. Owning a boat can come with issues, especially if you only find out after an incident that you don’t have the right type of insurance. Find out more below on what you should think about when it comes to boat insurance.

Access Legacy Insurance Group in Brooklyn, NY is proud to offer boat insurance to residents in the following states:

New York
New Jersey
Florida

Boat and home insurance

In many cases, home insurance will cover your boat as part of the home insurance policy, as your boat can be seen as part of your property. While this is already decent coverage, home insurance doesn’t cover everything when it comes to your boat. Some examples below of what might not be covered under home insurance:

Liability insurance, as you might not be fully covered under your home insurance policy. For example, what if you are in an accident with another boat and you damage the boat or hurt someone on the other boat? This can also count for if someone who is on your boat gets hurt.
Insurance in case the other person is not insured. What is meant by this is that if you get into an accident with another boat owner and they are not covered to cover your medical bills or boat repairs, you are the one stuck with the financial burden of this. So make sure you get enough coverage for yourself in this situation too.

If you want to discuss boat insurance, call Access Legacy Insurance Group in Brooklyn, NY, or get a quote here.

Why You Need Flood Insurance

Posted on November 29, 2021December 9, 2021 by admin

If you are thinking about buying a home, you are going to need to find homeowner’s insurance. Since there are so many options, you may be unsure about what you need and what you can save money on.

Flood insurance may be something that you are considering. Here are some reasons why you should get it.

Your mortgage company may require it. Certain mortgage companies require you to have flood insurance if you live in an area that floods easily.

If you can’t afford to salvage your home in a flood, you will need to have flood insurance. Many insurance companies won’t cover any flood claims unless there is a Presidential Disaster Declaration. If you have flood insurance, your insurance will take care of your claims regardless.

The simple truth is that most homeowners’ insurance doesn’t cover any flood damage. Even if you don’t live in an area that is considered a flood area, you may want to get this extra insurance, just in case. If you don’t, and you find your home flooded, your insurance may not cover any repairs.

Even if you get help, it may not be enough. When flooding happens, it can cost homeowners forty thousand dollars or more. If you get a loan or grant to help you, you may only get a few thousand dollars.

Though you may not want to get flood insurance, your mortgage company may require it. If not, you may still want to get it, because flood damage can cost a lot of money. Even if you apply for loans and grants, that still won’t cover the damage.

If you want to make sure that you are fully protected in Brooklyn, NY, contact us today at Access Legacy Insurance Group.

How Workers Compensation Insurance Works

Posted on October 15, 2021October 10, 2021 by admin

If you have questions about worker’s compensation for your Brooklyn, NY firm, we at Access Legacy Insurance Group can help you to understand these options better.

Employers Pay for the Policy

Anybody who hires an extensive range of employees must pay for compensation insurance. If they don’t, they’re likely to get various assessed fines that will be much more than the insurance cost.

Policies Protect Against Injuries

High-quality workers compensation policies will pay for an employee’s injuries if they’re suffered at work. In addition, they help to support them financially and give them medical treatment as well.

Coverage Helps Employers

Employees who get compensation benefits will be able to pay medical bills and recover from injuries. Then, they can get back to work, benefiting the employer by minimizing retraining needs.

Decreases the Need for Lawsuits

Employers may find themselves in a serious lawsuit if they don’t have compensation insurance. However, with it, they can use these payments to keep their employees happy and secure.

Injury Coverage Varies

Your policy will cover things like carpal tunnel syndrome, slips, and falls, injuries while driving for work, physical injuries caused at work, and serious physical damage caused by working conditions.

Policies Don’t Cover Some Situations

If employees hurt themselves deliberately to get coverage, broke the law when getting hurt, or were not on the job at the time, they will not get covered by this type of insurance.

Even Independent Contractors May Get Help

Depending on where you live, independent contractors who get injured due to their work duties may be able to get some type of worker’s compensation coverage.

Get Great Coverage Today

Please call us at Access Legacy Insurance Group near Brooklyn, NY, to get worker’s compensation insurance. You’ll never regret this intelligent decision.

Do I need an inventory as a renter

Posted on September 30, 2021October 10, 2021 by admin

If you are a renter and have renters insurance, you may wonder if you should have an inventory. Simply stated if you ever file a claim against your renter’s insurance you will be very happy that you took the time to make that inventory. The insurance company will accept it as proof of what you had. At Access Legacy Insurance Group in Brooklyn, NY, we work for ur customers and will go above and beyond to meet their needs. As independent insurance agents, our customers have all of our loyalty.

You may not think you have enough personal possession to warrant an inventory. You may think it will take too long to do an inventory. You may not have an idea where to start and where to store an inventory if you did one. All of these are minor issues and very easy to overcome. You will thank yourself if you need to file a claim with your renters’ insurance.

Imagine your apartment has been destroyed by a fire or a tornado. There literally may be nothing left but a pile of rubble. It is devastating and now in order to get your possessions replaced you need to tell the insurance company what you had. That is adding trauma to your trauma. Creating an inventory will take some time, but you will thank yourself for doing it.

Begin in whatever room you prefer and just write down all the items you have. Open drawers and closets and provide as much detail as possible. If you have sales slips or receipts attach them along with photos of every room. Then find a safe place, the cloud is a good option, to store the inventory.

If you are ready to discuss renters insurance and your need for an inventory contact Access Legacy Insurance Group in Brooklyn, NY.

Changes You Make to Your Boat: Will Your Insurance Policy Cover Their Damage?

Posted on August 16, 2021August 6, 2021 by admin

At Access Legacy Insurance Group, we provide Brooklyn NY, and other areas of the state with high-quality boat insurance. However, we know that many boat owners love adding new elements to their vehicles to make them more appropriate and effective. As a result, it is vital to spend the time to understand whether your policy will cover these vehicular upgrades for your boat.

What Your Policy Does NOT Cover

Are you planning on making upgrades to your boat that could affect its overall value in a handful of different ways? If so, it might be best to get a professional to do it because doing it yourself could invalidate your boat policy and cause these upgrades and changes to be ineligible for coverage.

Why is this the case? Unfortunately, your policy is designed to protect your boat, as it has been valued when you purchased the policy. This protection included the original structure of the ship and its design, not any changes you may have made to it after you bought the policy.

That said, you may be able to get some protection if you work with a professional on these upgrades. If you get an expert to help you out with your renovations to your boat, your insurance company may approve these additions. That all depends on your policy and other factors, however.

Find a Policy You Can Appreciate

Do you want a boat insurance policy that makes sense for your needs as a person? Then, it is time to contact us at Access Legacy Insurance Group to learn more about your many options. We serve the Brooklyn NY community and will do what we can to help you find a policy that makes sense for you.

When Should I Get Flood Insurance?

Posted on July 30, 2021August 6, 2021 by admin

Most homeowners’ insurance policies don’t protect your property and belongings from flooding or groundwater seepage damage. As such, it is prudent for homeowners or renters in areas that are prone to flooding to get some flood insurance coverage. Ideally, such an insurance policy covers damage caused by water that falls from the sky as rain or ice and later gets into a home and thus causing flooding and damage.

But for the policy to get honored, the flooding damage shouldn’t be a result of negligence. For instance, damage caused by rainwater that floods your house may not get you compensation if the flooding results from leaking, and an unrepaired roof. The water damage should be a result of accidental flooding.

When Does a Homeowner Need to Get a Flood Insurance Policy?

If you’re a resident of a designated flood zone, then you should get a flood insurance policy. The Federal Emergency Management Agency (FEMA) marks flood hazard regions on the flood hazard maps. The agency makes recommendations on the acquisition of flood insurance policy. The flood hazard map zones flooding areas into three zones (A, B, & C) depending on the severity of potential flooding.

Zone A areas are close to water bodies and carry a significant flooding risk. Anyone with property in these zones should get flooding insurance. Zone B denotes areas with moderate flooding risk, and there is a need for homeowners with property in these zones to get flooding insurance too. But the cover often comes at a lower premium than zone A, and C.

The Zone C regions have a low flooding risk. But this doesn’t imply that you shouldn’t take flood insurance coverage if you’re in this region. Some zones may have the V mark indicating that they’ve not gotten assessed for flooding. As such, you may need to find a specialist who’ll make an assessment and advice you on whether to get flooding insurance or not. But it’s prudent always to get one.

Get Enough Homeowners Insurance Policy Today

It’s possible to get flooding insurance from the National Flood Insurance Program (NFIP). But if you’re in Brooklyn, NY, you should visit the Access Legacy Insurance Group to get your homeowners’ flooding insurance cover. At Access Legacy Insurance Group, we provide updated homeowners’ flooding insurance policies to all Brooklyn, NY, residents. Check out our website to learn more.

Do business owners always need to have workers comp insurance in Brooklyn?

Posted on June 14, 2021June 5, 2021 by admin

The Brooklyn NY area continues to be a densely populated area of New York and offers a lot of potential to business owners. Those that are business owners in this area of the state are going to need a few forms of insurance. One type of coverage that they will need to have is workers comp insurance. There are several reasons why this insurance will likely be needed by a business here.

Coverage is a Legal Requirement for Employers

A key reason that businesses need to have workers comp insurance is that it is a legal requirement. In New York, the state law mandates that all employers have a full workers comp insurance plan. This coverage is needed no matter how many employees you have on your staff. If you do have a staff member and don’t have coverage, you could be penalized.

Coverage Provides Protection for All

A workers comp insurance plan should also be considered a necessity as it offers valuable protection for all parties involved. With workers comp insurance, you can assure employees that they will have support if they are injured while working. This can also help to protect the business as the workers comp insurance can reduce the employer’s liability risk if someone is hurt while they are at work.

Anyone that is going to own a business and has a staff in Brooklyn NY will need to have a full workers comp insurance plan. If you are looking for workers comp insurance when you are here, it would be wise to call the Access Legacy Insurance Group. The team with the Access Legacy Insurance Group can offer some very valuable guidance that will help you understand your needs and give the support to choose the right plan.

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Author: admin