If your driving causes death or injury to your spouse and they sue you a Standard insurance policy does NOT provide coverage for either the Defense Cost or Award.

Domestic Partners would be wise to understand the insurance concerns associated with their living situation. Both Gay and Straight domestic partners must realize that common insurance laws and practices were set up for the “Traditional Family Relationship.”

So if you can’t prevent the worst from happening, how do you protect your family if it does?

Personally, I congratulate Gov. Paterson for making a strong decision to not penalize drivers who choose not to drink!

The “Green” Movement bandwagon grows everyday and it seems that now is the Insurance industry’s time to hop on. In a recent posting by Gregory Boop, from About.com Business Insurance, Fireman’s Fund Insurance has announced that they will be the first commercial Auto insurance carrier to offer “Green-Guard” protection.

Cash for Clunkers is a wonderful government incentive program which allows Americans to turn in their old high MPG vehicles for new vehicles. But according to this Insurancenewsnet.com what people do not know is you have prove the car has been insured for the previous 12-month period.

These dire statistics often over shadow the less newsworthy real-world effects that a 10% unemployment rate has on Americans. It is a fact that as the unemployment rate climbs so does the number of uninsured drivers on the road. In 2008, 13% of New York State drivers were completely uninsured. Uninsured drivers lead only to tragedy and loss when involved in an accident.

I am often asked by parents, “What is a good first car for my new teen driver?” I’m assuming parents ask me this question because I help many families with young drivers insure their first car and somehow that experience has given me great insight into what a good first car for a teen would be. Unfortunately, this experience only allows me the expertise of knowing which vehicles are more cost effective to insure for young drivers.

The day your teenager gets their driver’s license is as expensive and fearful a day for you as it is a glorious day for them! Let me tell you, your fears are warranted.

For a list of the approved online courses go to the NYS DMV website. The 10 percent yearly discount in Auto insurance premium is good for 36 months. In most cases the savings in premium will pay for the class and then some in the first year. I highly recommend every driver in your household taking the online version of this class. The discount is too good to pass up.