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Kimberly J Brennan Agency

83 Haviland Dr, Suite 3
Patterson, NY 12563

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Featured Insurance Blog

Auto Insurance Gaps You Don’t Notice Until It’s Too Late

Let’s be honest—most drivers in Patterson, NY, rarely take the time to review their auto insurance policy. You sign, you pay, and you forget about it. That is, until the day something unexpected happens. Suddenly, all those overlooked details and unchecked boxes you skimmed past come back to haunt you.

Coverage You Might Be Missing

The basics of auto insurance only go so far. Liability? Sure. Collision? Maybe. But what about rental reimbursement if your car is stuck in the shop for weeks? Or uninsured motorist protection in case the driver who hits you doesn’t have insurance? These “optional” coverages may seem unimportant—until you need them. In New York traffic, with winter ice, summer congestion, and impatient drivers, those gaps in coverage can leave you vulnerable.

Why Patterson Drivers Should Review Their Policies

Driving in Patterson means dealing with daily risks like commutes, construction zones, and unpredictable weather. Your insurance coverage should reflect these realities. At Kimberly J Brennan Agency, we’ve seen it time and time again—drivers assume they’re “covered,” only to discover gaps in their policy when it’s too late. That’s why we take the time to walk you through every detail of your policy, ensuring you understand how it protects you before life throws you a curveball.

Secure Your Coverage Today

Insurance isn’t about dwelling on worst-case scenarios—it’s about being prepared to move forward when the unexpected happens. The best way to avoid frustration and financial losses later is to review your auto policy now. If you live in Patterson, NY, and want to ensure your coverage matches your needs, contact Kimberly J Brennan Agency. We’ll explain your policy line by line, so you can drive with confidence knowing there are no hidden gaps.

Auto Insurance for Teenage Drivers in Patterson, NY: What Parents Need to Know

If you have a teenage driver in the home who is in training or has just obtained their license, you may be feeling the stress over selecting the right auto insurance policy. Adding a teenage driver to your auto insurance policy in Patterson, NY, is no simple decision, which is why it’s crucial to know how to effectively navigate the situation to ensure the best coverage and protection possible.

The Cost of Teenage Auto Insurance

Teenagers are considered high-risk drivers, especially when they first obtain their driver’s license. This is why insurance premiums are often much higher for a teenage driver in New York than for an adult who has been driving for decades.

Tips to Reduce Premiums

If you’re thinking of adding a teenage driver to your own auto insurance policy in Patterson, NY, here are a few tips to keep in mind that may help you reduce your monthly premiums:

  • Higher Deductible Options: In some instances, raising your own deductible can reduce your monthly premiums. However, it’s imperative to ensure you can afford your deductible out-of-pocket if an accident or incident should occur.
  • Safe Vehicle: Investing in a vehicle with a higher safety rating can help reduce premiums, especially when you’re planning to add a teen driver to your current auto insurance policy.
  • Driver’s Education Courses: Have your teen complete a certified driver’s education course to reduce the risk of accidents. In some cases, this may also reduce your monthly premium.

Anytime you’re thinking of adding a teenage driver to your auto insurance policy, it’s important to take the time to compare your options and attempt to reduce premiums in advance. To learn more about your options when it comes to auto insurance and your teenage driver in Patterson, NY, contact Kimberly J Brennan Agency for your consultation and quote today.

What Happens if I’m Injured in a Wreck?

No New York resident can ever predict when an accident might occur. The more frequently you’re out there on the road, the greater your chances are of possibly becoming involved in a car accident, regardless of fault. If you’re driving and you’re involved in an accident that causes you to sustain injuries, you might have no idea what to do.

Here is what you should do if you’re injured in a wreck, so you’ll be prepared:

Pull Over to a Safe Place and Call 911

Whether you’re driving in Patterson, NY or somewhere else, if you’re ever involved in an accident, you need to pull over to safety and call 911. The police and an ambulance will arrive, and the ambulance will transport you and any injured passengers to the hospital. The police will also need to obtain a statement, but if your injuries are serious, the interview can be conducted at the hospital. 

Contact Your Insurance Agent

Once your injuries have been treated, you need to contact your insurance agency as soon as possible. You can file a claim, even if you were at fault for the accident or you’re not sure. Once the file has been processed and approved, you can receive coverage for any damages and medical bills. 

Call Today To Discuss Your Options

It can be scary to become involved in a car accident in which you’re injured. However, as long as you follow the steps outlined in this guide, you will hopefully be fine once you receive medical treatment. If you’re seeking a new car insurance agency, we at Kimberly J Brennan Agency are available. We provide auto insurance in addition to other types of insurance. We cover all of New York, including Patterson, NY. Give us a call today at Kimberly J Brennan Agency so we can provide you with a quote and get your policy started today.