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Q: What kinds of questions should I be expected to answer when I’m applying for an insurance policy in New York. Why do insurers need so much information?” el_id=”1447064341323-f6ee47d8-32bf”]A: When you apply for an insurance policy at The Cote Insurance Agency you will be asked a number of questions. For example, The Cote Insurance Agency might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to make a claim.

When The Cote Insurance Agency is deciding whether or not to offer car insurance to a potential customer, we want to know about your previous driving record, whether they have any recent accidents or tickets, and what type of car will need to be insured.

The Cote Insurance Agency offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, The Cote Insurance Agency will need basic information about you.

In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in Malta, who commutes 30 miles each way is more likely to be in an accident, than someone who commutes via bus and only drives on weekends.[/vc_toggle]

Q: What are some practical things I can do to lower the cost of my home insurance?

A: When you apply for an insurance policy at The Cote Insurance Agency you will be asked a number of questions. For example, The Cote Insurance Agency might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to make a claim.

Q: What are the advantages to using an agent to purchase insurance?

A: By using an independent agent such as The Cote Insurance Agency ,the policyholder receives more personalized service. Having direct contact with, The Cote Insurance Agency can be very important when purchasing insurance, and absolutely necessary when filing a claim. The Cote Insurance Agency is able to deliver quality insurance in Saratoga Springs, The Cote Insurance Agency

New York with competitive pricing and local, customized service.

Q: I have an older car whose current market value is very low – do I really need to purchase car insurance?

A: Most states have insurance laws that require drivers to have at least some car liability insurance. These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual.

Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.

Q: What is the difference between collision physical damage coverage and comprehensive physical damage coverage? clinic?

A: Collision is defined as losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.

Comprehensive provides coverage for mostly other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

Q: What are some practical things I can do to lower the cost of my home insurance?

A: When you apply for an insurance policy at The Cote Insurance Agency you will be asked a number of questions. For example, The Cote Insurance Agency might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to make a claim.

When The Cote Insurance Agency is deciding whether or not to offer car insurance to a potential customer, we want to know about your previous driving record, whether they have any recent accidents or tickets, and what type of car will need to be insured.

The Cote Insurance Agency offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, The Cote Insurance Agency will need basic information about you.

In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in Malta, who commutes 30 miles each way is more likely to be in an accident, than someone who commutes via bus and only drives on weekends.

Q: What does homeowners insurance cover in New York?

A: The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.

Q: What are the policy limits (i.e., coverage limits) in the standard homeowners policy?

A: Note: this answer is based on the Insurance Services Office’s HO-3 policy.
The home and other structures on the premises are protected on an “all risks” basis up to the policy limits. “All risks” means that unless the policy specifically excludes the manner in which your home is damaged or destroyed, there is coverage. The policy limit for the home is set by the policy owner at the time the insurance is purchased. The policy limit for the other structure is usually equal to 10% of the policy limit for the home.

Losses to your personal property are covered on a “named perils” basis. “Named perils” means that you have coverage only when your property is damaged or destroyed in the manner specifically described in the policy. The policy limit on the coverage is equal to 50% of the policy limit on the home. Limits for the coverage of additional expenses that the policy owner may incur, when the residence cannot be used because of an insured loss, is equal to 20% of the policy limit on the home.
The coverage limit on personal liability is determined by the policy owner at the time the policy is issued. The coverage limit on medical payments to others is usually set at $1000 per injured person.

Q: What is a personal umbrella liability policy?

A: The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies — home, car, boat, RV, etc., so you have a higher personal liability limit, than what would otherwise be available. In certain circumstances, an umbrella insurance policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella insurance policy provides coverage anywhere in the world, whereas your car insurance policy usually provides coverage in only the US and Canada.

Q: How do I know if I need a personal umbrella liability policy?
A: It used to be that the only people who needed personal umbrella liability policies were wealthy individuals, who had sizable amounts of personal assets that would be at risk in a lawsuit.

However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since those with modest incomes are even less able to pay damages than a wealthy individual, The Cote Insurance Agency recognizes the need to provide coverage limits greater than what can be obtained from their homeowner insurance or car insurance policies.

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