3 Ways to Prevent Distracted Driving Accidents

Distracted driving is a leading cause of automobile accidents across the country. The agents of Hudson Valley Insurance Brokerage, Inc. serve residents who live in the Stony Point, NY area. Our agents are well aware of the dangers of distracted driving and are always available to talk to their clients about how to stay safe on the roadways.

Go Hands-Free If Possible

Newer cars have features that allow you to sync your phone to your vehicle’s radio. This will enable you to answer your phone and use talk-to-text features without ever taking your hands off the wheel while you are driving.

Don’t Text or Use Your GPS

Texting and using your GPS can cause you to take your eyes off the road for longer than a second or two. It only takes a second to take a life. Before you send a text or change your GPS, pull off the road and park your car. It only takes a few seconds to park your vehicle. Those few seconds may save your life.

Be Aware of What’s Going on Around You

Always be aware of what is going on around you. Don’t just watch the car in front of you, watch several car lengths ahead. Don’t be distracted by signs or billboards. Keep your eyes on the road and make sure you always know where other vehicles are.

If you live in the Stony Point, NY area, call the agents of Hudson Valley Insurance Brokerage, Inc. when you have questions about distracted driving and how it can cause accidents. The agents can offer you advice and make sure you understand how important it is always to be aware while you are behind the wheel. 

 

Choosing The Right Commercial Insurance For Your Business

When you’re operating a business in Stony Point, NY, it’s important that you have the right insurance in place. Commercial insurance can vary dramatically from business to business. As such, you can’t simply copy what the business owner next to you has. At Hudson Valley Insurance, we have insurance agents who specialize in commercial insurance, making it easy for you to get a policy that you can count on.

Identifying Potential Downfalls

All sorts of things can happen to your business in New York. In order for commercial insurance to get the job done, you need to identify those downfalls. This will depend greatly on the industry that you are in as well as the level of risk involved with getting the job done.

You have to look at how much inventory you have on-premises, how frequently your employees get hurt, and even how long you spend on the road every day. All of this will help to determine what kind of coverage you actually need within your policy.

Building Your Policy

A commercial insurance policy is going to encompass a variety of different types of insurance. This will vary based on your industry. You may need liability insurance, commercial auto insurance, workers compensation insurance, and much more. As you grow your business, your policy may need to change, too. This way, you know that you have sufficient coverage in the event that something happens.

There is no one-size-fits-all policy, especially as it comes to commercial insurance. The last thing you want is for something to happen that will bankrupt your business. As such, you need to build your policy so that it provides you with all of the financial protection that you need.

Contact us at Hudson Valley Insurance today to learn more about the right commercial insurance for your business. We are here to make sure that you have the financial protection that you need in Stony Point, NY. 

Can You Get Auto Coverage for a Car that You Are Not Driving?

Cars are expensive, repairs are expensive, and having a great auto policy is going to help protect your car no matter what. You can insure just about any car and knowing what you can insure does help you to find the right coverage for you. For those that live in the Stony Point, NY area, the agents at Hudson Valley Insurance can help you to find the perfect insurance for your needs.

You can insure any car that you own or have a vested interest in. You do not have to have an insurance policy on a car that is not licensed and that is not going to be driven on the road. That being said, it is beneficial to have an insurance policy on any vehicle that you do own or have a vested interest in. Say you are a parent that has a car that they are saving for a child once they get their license. If the car is not licensed and it is not being driven, you are not required to have a policy on that car. Now suppose that a storm throws down hail and the car is damaged. You are not going to be able to get your car taken care of and repaired if you do not have an insurance policy on it.

It is always better to make sure you are insuring your car and that you have it covered, even if you are not driving it often or at all. Insuring a car that is not being driven is still going to help protect that car and make sure that there are no issues for you to deal with.

For those in the Stony Point, NY area, the agents with Hudson Valley Insurance can help you to get the best coverage for you and to make sure your cars are all protected.  

Stony Point, NY Classic Car Ownership

Classic cars are interesting to many people.  Some are so convinced about the investment that they decide at some point to purchase one.  Others enjoy seeing them on the road or at car shows.  Enjoyment of classics has been around a long time and people are very thankful for the opportunity to appreciate classic cars.  Ownership of a classic car can also be a smart investment.  Some rare models of classics seem to be appreciating at such a fast pace and the really large car shows are showing amazing auction prices.  With all of this, the insurance options for owners with classics have improved.  Serving Stony Point, NY, Hudson Valley Insurance provides insurance for classic cars.  Discussions about valuation may be considered when discussing the options with their experienced staff. 

Planning for insurance can be as simple as knowing the make, model, and the year of the vehicle.  The information from an insurance provider can be beneficial for planning any restorations and improvements.  People in Stony Point, NY can enjoy the classic car shows and know that an experienced team of professionals is available to help if they choose to purchase one of the classics.  Hudson Valley Insurance offers classic car insurance for the new or current owners of these rare cars.  Finding the restoration companies is easier now with the lengthy lists of classic car clubs.  Those involved with certain makes and models are easier to find with technology, such as online resources and search capabilities.  These clubs sometimes have recommendations for locating certain parts and original accessories for classic car owners.  With so much interest, it is easy to understand why classic cars are often owned for the appreciation in value.  You can visit the agency’s website for more information.

3 Reasons You Need Home Insurance in Stony Point, NY

Your home is likely the most expensive asset you will purchase in your lifetime. It’s where you’ll raise your family, make your memories, and lay your head at night. That’s why it is so important to protect your home. In fact, it is required by law to have home insurance in you have a mortgage. However, even if you own your home outright, there are still solid reasons why you need to have homeowners insurance to protect your home. Read on to learn the three reasons why Hudson Valley Insurance believes you need home insurance. 

1. Protect Your Home from Fire and Theft

A homeowners insurance policy in Stony Point, NY will protect your asset in the event of a fire or theft. In the meantime, it’s important to take measures to prevent these events from occurring. For example, install an alarm system on your property, as well as outdoor lighting to prevent burglary. Make sure your smoke alarms are working properly and have a fire evacuation plan set in place just in case. 

2. Protect Your Money in the Bank

If something were to happen on your property that resulted in the injury of a neighbor or other individual, this person could decide to sue. Without a homeowners insurance policy in place, you will need to fight the litigation on your own with your own funds, which could easily drain your savings. 

3. Peace of Mind

Every night when you turn in for bed, sleep well knowing you have the peace of mind of a protective homeowners insurance policy. The place you call home is a safe place and if anything were to happen, your policy will help you get through it. 

To learn more about purchasing a homeowners insurance policy in Stony Point, NY, contact Hudson Valley Insurance. Our friendly insurance agents will answer all your questions and help you find the right policy for your needs. 

Motorcycle Insurance Options If You Don’t Wear Helmets

At Hudson Valley Insurance, we’ve worked with many Stony Point, NY residents who love riding motorcycles. However, we’ve found that many of these riders don’t think that they need to wear a helmet. When you don’t wear a helmet, you open yourself up to some insurance issues that may affect your various coverage options. 

Liability 

The most crucial aspect of your motorcycle insurance is likely your liability. Unfortunately, a failure to wear a helmet could make you more liable in an injury due to comparative negligence. For example, if you were driving in a dangerous way that seriously contributed to a crash, you may be found liable, and your policy will kick in and cover the damage. This situation can be a problem if you don’t regularly wear your helmet. 

Personal Injury 

Whenever you suffer a crash while driving a motorcycle, you’re likely to end up injured. However, riders without helmets are going to be even more damaged. As a result, you’re going to need a policy that covers significant bodily damage and which you can adjust to ensure you are fully and adequately covered. Thankfully, many options should be available. 

Property Damage 

As a cyclist without a helmet, you should drive as carefully as possible to avoid accidents. However, you’re likely to find that your property damage is higher if you crash into another vehicle while not wearing a helmet. Your company will consider your lack of a helmet as a risky driving decision and may penalize you for making this choice. 

Professional Insurance Help 

If you find that your policies don’t quite your need, you should contact us at Hudson Valley Insurance. We serve Stony Point, NY and other areas nearby and will do what we can to help minimize your insurance payments. Just as importantly, we’ll find a stable method for managing your fees.

Now is the Perfect Time for NY Boaters to Review Their Insurance Policies

Spring is a good time to make sure that you have everything ready for another summer out on the water. And for boat owners in the greater Stony Point, NY area that includes a full review of boat insurance policies. The team at Hudson Valley Insurance is here to help you make sure you have everything in place before it’s time to get the boat out again for the season. Don’t be caught with insufficient coverage if you experience an accident or another incident this summer with your boat.

Make Sure You Have the Coverage You Need Before You Get Out on the Water

Owning a boat can make summers a memorable time for you and your family, but with the pleasure comes a lot of responsibility. There are many boat owners and operators who do not have the experience or judgment that they need to safely operate their craft. Unfortunately for responsible owners, they can make the waters unnecessarily dangerous. Make sure that you are protected from any damage or injury caused by an irresponsible boater with the right level of insurance coverage. Whether you need coverage for damage to your boat or want protection for liability due to a mishap that causes injuries, there are a number of policy options available to meet your needs. Boat insurance should also cover your vessel when it is docked and in transport from storage to the water.

The team at Hudson Valley Insurance is here to advise our customers in the greater Stony Point, NY area about all insurance matters including boat insurance. If you want to make sure that you have the coverage you need, call or stop by our office to make an appointment with one of our helpful agents.

Understanding Life Insurance For Your Dependants

Life insurance is often a tough subject for many people not just in Stony Point, NY but throughout the state. This is mainly because the very nature of life insurance is based on a subject we do not like to think about or talk about; the passing of our loved ones and eventually yourself. If you find this topic tough, here are a few tips from Hudson Valley Insurance to help you have this conversation with your family and make the best choices when it comes to life insurance for your dependents. 

Difficult But Necessary

Despite the difficulty of discussing this topic, it is none the less a necessary topic to address. Many people find it hard to think of life insurance needs for their dependents because we cannot imagine life without them. It is important to note that addressing this issue and making life insurance decisions does not mean you are in any way insulting or disrespecting the people with which you want to cover. This is just a wise financial investment against a possible tragedy. 

Even Children Need Life Insurance

Many parents rarely give a thought to the idea of their children having life insurance. However, an excellent way to think of this difficult topic is to remember that should something happen to one of your children, the last thing in the world that you would also want to be burdened with would be worries about money and how to cover their final expenses. This is a good motivator to help you make choices concerning life insurance for your child or children. 

Other Dependents

If you have other dependents in your life, remember that providing life insurance for them is just as important as providing health insurance and other financial needs for them. This is just a provision for possibilities in the future. 

If you would like to speak to an insurance agent about life insurance options, please call our friendly staff at Hudson Valley Insurance in Stony Point, NY. 

Do Commercial Insurance Premiums Fluctuate?

Having commercial insurance is necessary for both large and small businesses. Most smaller businesses carefully budget for their premiums, which is why it is vital for business owners to know if their insurance premiums will fluctuate during the policy term. 

Commercial Insurance Policy Premiums

In most cases, the premium will reflect a set price for a specific time frame and the premium will stay the same as quoted before the policy purchase. There can be a change in the policy premiums if there is an extenuating circumstance or an increased risk to the business that was not initially present. This potential for changes should be outlined in the policy terms and conditions before signing the policy. Ask your insurance agent if there are any conditions which may cause the premium to change either during the active time frame or at the policy renewal. Having this information will help you stay prepared for changes.

Working With Your Agent

It is key to work with an agent who is backed by an established, reputable insurance agency. The agent should work with you individually to go over the policy in detail and will inform the client of any potential changes during the effective time frame of the policy. Business owners, located in or around the Stony Point, NY area, should consult Hudson Valley Insurance for guidance through the process. 

Anyone who is considering purchasing business insurance should take the time to speak with a representative from Hudson Valley Insurance, serving the residents and business owners in the Stony Point, NY area. Call or stop by the office today for more details and answers to your questions.