In PIANY’s recent overview of Gov. Kathy Hochul’s Transportation, Economic Development and Environmental Conservation (TED) budget proposals, we outlined several insurance-related measures that could affect the personal lines marketplace in New York state...
Rodents—from squirrels to mice—can pose a threat to your house or car. By nesting near or in your home and car, rodents can damage your property over time. They can gnaw wires, insulation and anything else they can chew. If this happens … do you know how your...
State Senate President Nicholas P. Scutari, D-22, has introduced S-3187 in the 2026-27 legislative session—a bill that would finally put an end to step-down clauses in personal auto policies in New Jersey. For those of us who...
I find a great way to start an article is with a meandering hypothetical about ordering food at a restaurant. So, let’s get right to it: In a restaurant, you order a hamburger. The server nods, jots something down, and disappears into the kitchen. Twenty minutes...
New Hampshire has long taken a different approach to automobile insurance than most other states. While nearly every state requires drivers to carry auto insurance, New Hampshire instead relies on a financial responsibility system that typically...
Nearly every driver agrees that impaired driving is dangerous, but awareness alone isn’t enough to stop it. Recently, the AAA Foundation for Traffic Safety reported on this disconnect, finding that while people support stronger safeguards, risky behavior on the roads...
We assume all our possessions will be covered if we lose them or if they are damaged, but do you know how your insurance policy will truly respond—or even which one will respond when it is needed? Sometimes you need additional coverage. Snowmobiles. Typically, a...
A new bill proposed in the New York state Assembly aims to protect property owners in the critical moments following a loss by placing temporary restrictions on public adjuster solicitation. The bill—A.9390-A/S.9082, sponsored by Assemblymember Sam Berger, D-27, and...
As New York state’s budget season gets underway, the familiar alphabet soup of Albany returns—none more important to insurance professionals than the Transportation, Economic Development and Environmental Conservation budget, better known...
We're in the middle of winter, and we have a long way to go until spring. Who wants to get caught out in the cold? This means you’ll be spending more time indoors to avoid the nasty weather, which leaves you vulnerable to some risks at home as you try to keep warm....