From the category archives: Brooks-Waterburn Corp Insurance Protection Blog

2/1/2017 1:05 PM

Uninsured Motorist Coverage

How a Little Mistake Could Cost a Lifetime of Pain and Suffering.

This is one of those sad stories. It's a story that doesn't have a happy ending, but hopefully can illustrate the point that having the right protection can literally save your life.

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6/30/2015 6:09 AM

How Car Insurance Rates are Determined

How Car Insurance Rates are Determined

Ever think the making of Car Insurance rates are as secretive as the Illuminati?  Has this ever happened to you;  your neighbor about the same age and has the same car is paying $1,500 a year less?  Why does this happen?  Why does it seem that there is no logic or consistency to developing Auto Insurance premiums?

The answer is: "It's Complicated".   Typically there are rating factors that go into making an insurance premium.  Here are the most common:...

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4/6/2015 8:00 AM

NYC Traffic Ticket Lawyer: Tips for Drivers Who Get Pulled Over

Getting pulled over by a police officer for traffic violations in New York City can be a very nerve-wracking experience. Drivers often do not know the best way to handle this situation though, and they can sometimes get in more trouble than expected. Below are some tips from Michael Block, a New York City traffic ticket lawyer( ) for drivers to follow if they are pulled over:

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6/9/2013 11:24 PM

Safety Tips During a Tornado

When a tornado strikes and panic hits, not many people know what to do. With the recent high incidents of deadly tornadoes in Oklahoma, survival skills and safety should be top priority. Although tornadoes are common in the central part of the United States, they can form anywhere, even in large cities. Know the Warning Signs - Tornadoes can strike with little warning, though meteorologists are a better able to predict the signs if one is coming. A few minute warning can provide opportunity for those in the tornado’s path to seek shelter. If you notice dark green skies, large hail, dark rotating low-lying cloud, and a load roar similar to that of a train, seek proper shelter immediately.   Tornado Watch vs Tornado Warning - A tornado watch means that conditions are favorable for tornadoes to form. Be alert for changes in the weather and listen to your local weather stations for updated information. If you have time, move any outside items to minimize flying debris and keep your car keys with ...

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4/29/2013 12:40 AM

Financial Protection for Couples

Before getting married, there are a number of adjustments couples have to make. They may need financial protection and there are choices that to need to be made as to which spouse has the best existing insurance coverage. Auto: Single people tend to pay higher rates for auto insurance. When two people get married, they may qualify for a discount. It’s a good idea to review existing coverage and see which company offers the best combination of services. Home: When buying a home, the insured value of the house will be less than the market value. The insured value needs to be sufficient to repair or replace the home if there is a major disaster. Be sure that the coverage keeps pace with additions or major improvements that increase the value of your home. Set the deductable on the policy as high as you can. The higher the deductable, the less the coverage will can also mean fewer claims. Health: Most people get health insurance through their employer. If both spouses work, this can mean two hea ...

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10/9/2012 3:42 AM

Trees and Insurance

Fallen trees can cause huge damage to a home or car.  Most trees should be pruned during seasons when they are dormant or winter months. During a storm trees, shrubs and branches can become projectile causing massive damage to property.  Whether you own a tree or not, that lands on your home you should file a claim with your insurance company.  If a tree hits an insured structure such as your house, there is coverage for the cost of removing it, depending on the type of policy purchased. If the tree did not hit an insured structure, then there is no coverage for removal of debris.  Some insurance companies may pay for the cost of removing a tree if it’s blocking a driveway or handicap ramp. Cars that are damaged but a down tree are covered under the comprehensive portion of the auto insurance policy.Standard home insurance policies also cover damage to trees caused by fire, lighting, theft, and vehicles now owned by the resident, to name a few.   Trees and plants grown for ...

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5/9/2012 2:23 AM

The Good, The Bad, and The Not-So-Pretty Factors in The Cost of Car Insurance

To some folks shopping for car insurance is ranked up there with waiting in line at the DMV.  With all the different rates and options most people wonder how insurance companies come up with the cost of car insurance premiums. Here are some factors companies use to determine car insurance rates and hopefully,  help take out the confusion from the decisions made by the man behind the curtain.  Age: Those young whipper-snappers have it tough!  Insurance companies have a dim view on young drivers between the ages of 18-20, where rates are most likely to shoot up.  The average 18 year old can pay almost twice what an adult pays!  Location:  If you have to dress your car with a bumper guard you probably live in a congested area.  Insurance companies know that the more congested the area you live; the more likely you are to get into an accident.  Companies take into account the crime rate, traffic, and what kind of lia ...

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12/21/2010 11:57 PM

Changes to Auto Insuarance Laws in NY State

Effective November 27th 2010, the New York Dept of Insurance has raised the threshold for chargeability from $1,000 to $2,000. 

Basically, what this means is that if you are involved in an accident that is your fault, the insurance company cannot surcharge you for the loss unless the accident is over $2,000 in damages.  It has been many years since the last increase.  The unfortunate thing about this is that with the way cars are made these days, it is very difficult to keep an accident under the $2,000 threshold.  Even a minor accident can result in damages well above that amount.  It's not much, but it is something to keep your rates lower.  Please note that this only applies to accidents that occur after 11/27/10.

If you have any questions, please call us at 888-997-9801 or check out our website at

12/7/2010 3:11 AM

The Finer Points of Auto Insurance

My basic premise, the basic premise of the Brooks-Waterburn Agency, and the Independent Insurance Agents in general,  is that insurance is a complicated contract.  The policies are written by a team of attorneys and are written to favor the insurance company, not you!  The writers of these policies have vast knowledge of insurance, law, and claims.  They are in the business and do it everyday.  You may make a buying decision about insurance once every few years.  Who do you think has the advantage? Take Auto Insurance for example.  There are a host of coverages that you probably never heard of and worse, if you were involved in an accident and didn't have these coverages you could be financially devastated.  You think a Green Geco is on your side?  My point is obvious.  You need an advocate in your corner. A professional insurance person that can address these issues and look out for what's best for you, not the insurance company.  We are much more than ...

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