Traffic fatalities have been on the rise in recent years. According to the Early Estimate of Motor Vehicle Traffic Fatalities in 2022 from the National Highway Traffic Safety Administration, traffic fatalities in the United States have increased from 32,479 in 2011,...
Like most things, insurance policies should be straightforward to understand. If you were to educate yourself about policies or ask your independent agent to clarify something, it shouldn’t lead to you agonizing over the details. In the case of homeowner’s insurance...
If you are like most of us, you are finding that property valuations are going crazy—what may be valued as $1.9 million home with an ISO carrier may be valued as a $1.4 million home based on an MSO carrier’s estimator. And, to add to that, who knows what the...
Halloween is almost here, and with it, everything that makes the holiday so special. There’s the chilly fall air, and it seems as though there’s the grinning jack-o-lanterns posted at every door. Elaborate decorations and haunted houses are a fixture of Hallows’ Eve,...
The 2023 New York legislative session was a successful one for independent insurance agents. In 2023, PIANY saw not one, but two, of the association’s top priorities pass the Legislature! The advocacy of insurance agents, like yourself, has been critical in getting...
The summer of ’23 has brought disastrous weather events in almost every region of the country. The Northeast faced record-breaking flooding. Vermont received two months’ worth of rain—more than nine inches—in just a few days. More than 4,000 homes were damaged by...
Strangely, the legal concept of spousal liability has been in the news recently. This is due to a recent change in New York state law that will now require all auto insurance policies issued in the state to provide coverage for supplemental spousal liability—unless a...
If you are brave enough to have bought a ticket to Jason Statham’s latest action thriller, Meg 2: The Trench, then you might be familiar with what it would be like to take on a band of oversized, murderous sharks and other sea creatures in the pursuit of ocean...
New Jersey Assemblymember William B. Sampson IV, D-31, introduced A-5696 on May 18, 2023. This bill would require renters insurance for individuals entering or renewing a lease for a dwelling unit. The legislation defines dwelling unit as any room, or group of rooms,...
One of the biggest areas for recent innovation in automobile design is advanced safety features. Features like lane and obstacle sensing radar, collision warning, and heads up displays are increasingly becoming standard equipment on new cars. The technology that comes...