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As the summer ramps up and the warm days turn to hot days many people will be spending a lot of time out on the water. Whether you’re taking the boat out for a weekend or renting personal water crafts on a summer vacation, it’s important to remember the risks of boating and other water sports. The following tips will help keep you safe on the water and be prepared in the event of an accident.
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May is National Moving Month and every year more than 40 million Americans will move, according to the American Moving and Storage Association. As you pack up your belongings and move across town or across the country, make sure you don’t forget to “pack” your insurance coverage.
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Homeowners: Before you hit a gusher—and we aren't talking oil—get the 811 from Trusted Choice.
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Temperatures are getting warmer and now that it’s spring, it’s time for spring cleaning and making spring time repairs around the house. Taking care of our homes is important, so take a moment to understand how taking care of things around the house can impact your insurance.
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It’s a rite of passage for college students to don cap and gown and march across the stage for graduation ceremonies- in fact, according to the National Center for Education Statistics (NCES) nearly 1.8 million students will graduate with a bachelor’s degree in 2012. As those 1.8 million make the transition from undergraduates to careers, pursuit of advanced degrees or back into mom and dad’s basement, it’s critical that they understand how walking across the stage may have changed their insurance needs.
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DMV Uninsured Vehicle Rule Changes
Fines increase, Grace period now shorter.
If you have a lapse in insurance coverage of 90 days or less the law permits you to avoid a suspension of your registration by the payment of a civil penalty for each day or any portion thereof up to 90 days for which your insurance was not in effect. This civil penalty option applies only once during any 36-month period. The civil penalties are:
- 1-30 day lapse - $8 per day of lapse (previously $8 per day for days 1-90)
- 31-60 day lapse - $240 plus $10 per day for days 31-60
- 60-90 day lapse - $540 plus $12 per day for days 61-90
The commissioner of motor vehicles may withhold a suspension based on a lapse of required insurance coverage if the period of time during which the motor vehicle remained both registered and uninsured is not more than 7 days (previously 15 days). This provision shall apply only once during a 36-month period and shall not serve to reduce any penalty for a lapse of insurance which was greater than 7 days or prevent the issuance of a revocation for uninsured accident or uninsured operation. This provision shall not apply to a revocation issued in accordance with section 370 of the Vehicle & Traffic Law.
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