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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Do I Need Personal Injury Protection (PIP)?

If you’ve been in a car accident, you may be wondering if you need personal injury protection (PIP). PIP is a type of insurance that can help cover your medical expenses and lost wages if you’re injured in a car accident. In some states, PIM is mandatory, while in others, it’s optional. So how do you know if you need PIP? Read on to find out.

Understand What It Covers

PIP is a type of no-fault insurance, which means that it can help cover your injuries and expenses regardless of who was at fault for the accident. PIP typically covers:

  • Medical expenses: PIP can help cover your medical bills, including hospitalization, surgery, ambulance fees, and more.
  • Lost wages: If you’re unable to work because of your injuries, PIP can help to cover your lost wages.
  • Funeral expenses: In the event of a fatal accident, PIP can help to cover funeral costs.

You will typically need to file a claim with your own insurance company to receive these benefits. You may also be required to submit documentation, such as medical records and police reports, to support your claim.

Do You Need PIP?

Now that you know what PIP covers, you may be wondering if you need it. As we mentioned, whether or not you need PIP is determined by your state’s laws. In some states, PIP is mandatory, while in others, it’s optional.

Additionally, even if PIP is not required by law in your state, your insurance company may still offer it as an option. If you’re considering whether or not to add PIP to your policy, you’ll need to weigh the costs and benefits. But always remember, having more insurance that protects you in the event of an accident is always better than having too little.

As you can see, personal injury protection can be a helpful type of insurance to have if you’re involved in a car accident. Call DePaulo Agency in Scotia, NY to get a quote for PIP insurance. Please don’t wait until it’s too late; get protected today.

What Are the Benefits of Having Umbrella Insurance?

When it comes to personal finances, there are many things to think about. One important decision is whether or not to purchase umbrella insurance. While the decision may seem difficult, the benefits of having umbrella insurance are clear. Let’s take a look at some of those benefits.

1. Help Protect Your Assets

One of the main reasons to purchase umbrella insurance is to help protect your assets. If you are sued and found liable for damages, your personal assets could be at risk. Umbrella insurance can help provide the extra coverage you need to help protect your home, savings, and other assets.

2. Coverage for Damages Above Your Auto and Home Insurance Limits

Another reason to have umbrella insurance is that it can provide coverage for damages that exceed your auto and home insurance limits. If you are involved in an accident, or your home is damaged, your auto and home insurance policies may only cover a portion of the damage. Umbrella insurance can help provide the additional coverage you need to protect yourself financially.

3. Peace of Mind

Another benefit of having umbrella insurance is peace of mind. Knowing that you are insured for a certain amount of damage can help reduce stress in difficult situations. Umbrella insurance can also provide peace of mind regarding your future. If you are ever in a situation where you need to file a claim, you will know that you are covered.

4. Coverage for All Occasions

One of the best things about umbrella insurance is that it provides coverage for almost all occasions. Whether you are involved in a car accident or someone slips and falls at your home, umbrella insurance can help cover the costs of damages. This type of policy can also provide coverage for defamation, libel, and slander.

5. Affordability

Umbrella insurance is surprisingly affordable. When comparing the cost of umbrella insurance to the potential cost of damage, it is clear that umbrella insurance is a wise investment. For a small annual premium, you can have peace of mind knowing that you are protected financially.

Need Umbrella Insurance in Scotia, NY?

There are many reasons to purchase umbrella insurance. The benefits of having this type of policy are clear and can provide peace of mind in difficult situations. If you are looking for additional coverage, umbrella insurance is a great option. DePaulo Agency can help you find the right policy for your needs. Contact us today to learn more.

4 Key Areas Covered By Motorcycle Insurance

Are you a motorcycle enthusiast? Well, then you already know the fun of having an open-door adventure with your bike. But do you also know the risk your bike poses? You may have all the protective gear, but that may not help you in the event of an unthinkable occurrence.

With that in mind, motorcycle insurance is the real deal when you want to enjoy your motorcycle. It offers a financial safety net for your bike and yourself as well. That said, choosing the correct insurance is significant as it will help you have the right policy that suits your needs and lifestyle. DePaulo Agency is here to help you find the best policy. We’ve prepared for your four areas covered by motorcycle insurance. Let’s explore

Liability coverage

New York state requires you to carry proof of insurance while registering your motorcycle. Liability coverage covers property damage and bodily injury to others when you are at fault for an accident.

Physical damage coverage

Collision coverage covers damage caused to your motorcycle after colliding with a stationary object or another vehicle. Motorcycle insurance goes beyond just covering you on the road. Comprehensive insurance pays for damages caused by non-collision perils like theft, fire, vandalism, falling objects, and natural disasters.

Medical payments coverage

Motorcycle insurance pays for the medical costs for you and your passengers when involved in an accident. This way, you can focus on your recovery without stressing about medical bills.

Underinsured and uninsured coverage

People still disobey the law and ride without insurance or with inadequate coverage. Thankfully, motorcycle insurance covers damages and injuries caused by an uninsured or underinsured motorist.

Motorcycle insurance in Scotia, NY

Motorcycles don’t come cheap. When you get into an accident, you will be glad you had your motorcycle insurance in place. The aftermath of the accident makes the policy a worthwhile investment. Ready to purchase your motorcycle insurance in Scotia, NY and its environs? Please contact DePaulo Agency for an affordable quote.

Here’s Why You Need Boat Insurance

While boat insurance isn’t a mandatory requirement in New York, you need this investment if you want to enjoy your vessel to the fullest. Whether you have a fishing, sailing, or cruising boat, here are the reasons you need boat insurance from DePaulo Agency of Scotia, NY.

It may be required

Yes, we said boat insurance isn’t compulsory in New York, but your lender may require it as long as your loan liability is outstanding.

To protect your asset

Your boat is a significant asset that needs protection at all times, whether inside or outside the water. Comprehensive boat coverage protects your boat against non-accident risks like fire and theft. Collision coverage cushions your boat against physical damage after a crash with another boater or stationary object.

Liability protection

Boat accidents aren’t as common as car accidents, but when they occur, you could be responsible for injuries or property damage to other people. Worse yet, since we live in a litigious society targeting persons with prime assets, you could be sued for accidents you cause. Thankfully, you don’t have to incur out-of-pocket when liability claims knock on your doors.

Medical payments

If you or your passengers suffer bodily injuries following a boating accident, your boat insurance pays for the medical expenses. This way, you can focus on your recovery without worrying about medical bills.

For peace of mind

You definitely don’t want to be thinking about this and that peril when enjoying your boat in the water. Boat insurance can be that investment that erases your worries when in the water.

Boat insurance in Scotia, NY

Boat insurance can save you from sliding into a financial mess. From covering you against liabilities to compensating you for your boat damages, there is so much boat insurance can do for you. To get boat insurance coverage, don’t hesitate to get in touch with DePaulo Agency for an affordable quote.

3 Reasons to Invest in RV Insurance

Regardless of how often you use your RV, it is a good idea to protect it with RV insurance. This type of coverage is designed to protect the components of your RV and assist when your equipment fails, you break down, or you are involved in an accident. DePaulo Agency, serving Scotia, NY, wants to share a few important reasons you need RV insurance. 

Liability Protection

Generally, RV insurance policies offer liability protection, which covers you in the event someone suffers an injury in an accident. Due to the fact that RVs are usually only used for adventuring and traveling, it is not uncommon for these recreational vehicles to be driven for long periods on rough or remote roads. Interstate accidents are always dangerous due to traveling at higher speeds. Therefore, it is a good idea to have liability protection that will take care of medical costs for passengers.

Loss Protection

Comprehensive auto insurance plans offer protection from loss, allowing you to recover the cost of your automobile in the event it is deemed totaled after an accident. Comprehensive RV insurance works similarly, but the coverage extends to interior and exterior components, such as appliances and awnings. 

Roadside Assistance

A lot of RV insurance plans will include roadside assistance, allowing you to get assistance in the event of a breakdown. More often than not, this part of the insurance policy includes towing coverage up to a certain amount if you can’t operate your RV. Towing costs can break you, which makes roadside assistance and RV insurance invaluable.

If you are currently in the need of RV insurance, or if you would like to get an insurance quote, contact DePaulo Agency, serving Scotia, NY, where professional insurance agents can assist you.

How Umbrella Insurance Can Help Protect Your Assets, Family, And Home

Umbrella insurance is extra liability coverage meant to protect you from events that cause financial losses. It complements any single coverage above what is covered in your car and home insurance policies and pays for any legal expenses. Consult DePaulo Agency serving Scotia, NY for umbrella insurance policies.

How Does Umbrella Insurance Help

Umbrella insurance comes in when you have extra assets that are not covered by your homeowners or auto policies or when the limits have been reached for these policies. It offers coverage for injuries, personal liabilities, property damage, and some lawsuits.

Umbrella insurance covers your home, auto, boat, business autos, general commercial liability and pays for any claims that aren’t normally covered by other existing policies. Accidents happen all the time, and as they are often unplanned and unexpected, it helps to have a plan in place to give you peace of mind and protect you from financial losses.

When you buy liability insurance for your car, home, or assets, you get a limited amount of protection to cover legal fees and some claims. In some cases, these expenses are crippling. They exceed the limits of your liability insurance cover. with an umbrella insurance policy, you and your family don’t have to pay out-of-pocket once the standard insurance protection is exceeded. It offers additional liability coverage for all policies under a single umbrella for all your personal liability policies.

Umbrella insurance also offers protection for certain events that aren’t covered by general liability coverages, and the coverage extends to all family members. This policy isn’t limited to a single person, so; you can protect your spouse, kids, and any other dependents with single coverage. 

Umbrella insurance policies boost other liability coverages and only kick in when these coverages are exhausted. If you have any doubts or concerns about what is covered in an umbrella policy, consult with the insurance agents from DePaulo Agency serving Scotia, NY.   

Is having motorcycle insurance in New York a good idea?

When you are in the Scotia, NY area, you can quickly find that owning a motorcycle is a great way to get around the area. These are both fun to drive and can be quite efficient. If you are looking to get yourself a motorcycle in this area, it is also necessary for you to obtain a proper motorcycle insurance plan as it will give you ideal protection. 

Ensure You are Covered for Various Risks

The primary reason that people in this state should get a motorcycle insurance plan is to ensure that they are covered for various risks. If you operate a motorcycle, there are always going to be risks that you take on. This can include the risk that you cause an accident or the risk that your motorcycle is stolen. If you continue to maintain a full motorcycle insurance plan, you will always be protected against these risks.

Comply with Requirements

You should also pursue a motorcycle insurance plan to comply with your various requirements. A motorcycle owner that is in New York will have to maintain this coverage to ensure they are in compliance with the state’s liability insurance requirement. They will also need to have a full motorcycle insurance plan if they have taken out a loan and have not yet paid it off. Maintaining coverage will help you stay in compliance with these requirements.

There are a lot of reasons to get a motorcycle insurance plan if you are an owner in the Scotia, NY area. When you are assessing your needs and insurance options here, the team with the DePaulo Agency can prove to be a big help. The professionals with the DePaulo Agency will give you all of the support that you need to build a motorcycle insurance policy. 

What Exactly Does Boat Insurance Cover

Boat insurance is a special type of insurance that helps cover sailboats, personal watercraft, or motorboats if they are stolen or damaged by any covered perils, including lighting and fire. The purpose of boat insurance is also to help boat owners, who accidentally hurt or damage their property with their boats. Typically, a standard boat insurance policy covers the following parts of a boat: machinery, permanently attached equipment, hull, fittings, and furnishings. 

What Exactly Does Boat Insurance Cover?

Here is a list of coverages included in a standard boat insurance policy:

  • Boat insurance property coverage. It covers a boat itself and protects it from certain risks. It also covers your boat if it is stolen. It provides protection whether a boat is on water or land. 
  • Liability coverage. This coverage protects you as a boat or watercraft owner if you cause an accident that hurts someone or damages their property. 
  • Medical payment coverage. If, for example, you have passengers, and they get injured on your boat, this coverage will cover their medical expenses. 
  • Uninsured watercraft coverage. This coverage helps pay for the expenses if you get involved in an accident with an uninsured boat or watercraft. 

You may also want to consider getting additional coverage depending on your personal needs. For example, you can get coverage for the following components: 

  • Towing
  • Boat trailers
  • Special equipment 
  • Boat accessories

DePaulo Agency serving Scotia, NY – Your Safety Is Our Priority

If you are a boat or watercraft owner living in Scotia, NY or any other surrounding area, and you are looking for a trustworthy insurance agency that will help you get proper boat insurance, you should contact DePaulo Agency. We offer all types of insurance, including boat insurance as well. Feel free to contact us and schedule a free insurance review.  

Can I Combine My RV and Auto Insurance?

If you’re like most RV owners, there’s a good chance it’s not your main mode of transportation. Whether you’re embarking on a road trip or like to have your RV parked in different places for long stretches, something else serves as your regular day-to-day vehicle. So, does this mean you can combine your RV and auto insurance into one policy?

At the DePaulo Agency in Scotia, NY, we’re no strangers to this question. The answer is generally no, with some exceptions. Here’s what you need to know about combining RV insurance in the state of New York:

New York Requires RV Insurance — When You’re Driving It at Least

In order to register your RV and drive in the state, you will need insurance. RV insurance is separate from auto insurance because RV accidents can result in greater damage, and many only need it temporarily because they will not be using their RV throughout the year. Because of this, RV insurance generally cannot be combined with your regular auto insurance. 

Now, if you are keeping your RV or motor home permanently parked on your property, you will generally only need RV insurance while it is being transported. Otherwise, it can be written in under your homeowner’s policy. 

Is it Actually an ‘RV’?

Only RVs or "motor homes" that are drivable and have an engine are required to carry RV insurance. If you have a camper or trailer with a hitch, then all you need is auto insurance for the vehicle towing it. You may still be required to carry insurance on the camper if you are still paying it off, renting or simply wish to protect your valuables.

Your Provider Matters

Depending on your exact insurance provider and circumstances, you may still be able to bundle your RV and auto insurance policies. Umbrella insurance is also an option for those who want extra coverage on both. At the DePaulo Agency, we work with a wide range of insurance providers to offer the best options for your lifestyle. Get in touch with our Scotia, NY office today to learn more!

What is Renter’s Insurance?

Renter’s Insurance, often referred to as tenant’s insurance is exactly what it sounds like. It is insurance for someone who rents or leases a dwelling against the loss or damage of their personal possessions due to any of the perils listed in the policy. It is also for personal liability. Renter’s insurance is readily available throughout New York from most insurers. The DePaulo Agency serving the area of Scotia, NY is no exception and is available to assist you to find a comprehensive policy to suit your needs.

Landlords are required, by law, in NY to have insurance on their properties. When renting, assume that you need an insurance policy for your possessions. These types of policies are usually quite reasonably priced.

When purchasing renter’s insurance, take a complete inventory of your possessions. Establish the value of your items and the replacement cost. When reading through the policy check to make sure you are covered against any kind of loss.

A benefit of some renter’s insurance policies is that your items are covered even when you are away from home with them. It will be outlined in the policy structure.

Renter’s insurance may also include coverage against liability if someone should become injured while on your premises and cover their medical bills. It is an excellent option to include.

An important aspect of renter’s insurance is something called Loss of Use – this will pay for you to live somewhere else if your home has become unlivable due to damage.

If you rent in the Scotia, NY area, then be sure to contact the DePaulo Agency today and find out how you can best protect your possessions.