Eric Funk Agency

Running a business in New York often means relying on vehicles whether it’s a single car for client visits or a full fleet for deliveries and services. With heavy traffic, strict state regulations, and higher accident risks, having the right Commercial Car Insurance in NY is not just a legal requirement but a critical business safeguard. Choosing the right coverage helps protect your vehicles, employees, and finances while keeping your operations running smoothly. What Is Commercial Car Insurance in NY? Commercial car insurance is designed specifically for vehicles used for business purposes. Unlike personal auto insurance, it covers risks associated with daily business operations such as transporting goods, carrying equipment, or driving to multiple job sites. In New York, businesses must meet specific minimum liability requirements, making tailored commercial coverage essential. Who Needs Commercial Car Insurance? Any business that uses vehicles for work-related activities shoul...

When it comes to driving in New York, having the right auto insurance isn’t just a legal requirement—it’s peace of mind. With busy streets, unpredictable traffic, and countless drivers sharing the road, choosing a reliable NY auto insurance agency is one of the most important decisions you can make as a vehicle owner. Whether you’re new to the state or a lifelong resident, understanding your coverage options, comparing policies, and working with an experienced insurance team can make a world of difference. In this guide, we’ll explore why working with a trusted auto insurance agency in New York is so crucial, what coverage options you should consider, and how to select the best policy for your needs and budget. Why You Need a Local NY Auto Insurance Agency New York’s auto insurance requirements are unique compared to many other states. Drivers must carry minimum liability coverage as well as Personal Injury Protection (PIP), often called “no-fault” insurance. These requirements ca...

New York is known for its bustling streets, diverse drivers, and ever-evolving traffic laws. Whether you’re navigating through the streets of Manhattan or cruising along Long Island highways, having the right auto coverage is essential. But with so many choices available, how do you choose the right car insurance company in NY ? At E. A. Funk And Associates, Inc. , we help New Yorkers find reliable and affordable car insurance tailored to their unique needs. In this guide, we’ll walk you through the essentials of selecting a trustworthy insurance company and why partnering with a local agency like ours can make all the difference. These requirements are only the starting point. Depending on where you live and how often you drive, additional coverage may be essential. A reputable car insurance company in NY can help you: Avoid out-of-pocket expenses after an accident Comply with state laws Protect yourself from uninsured drivers Access roadside assistance and rental reimb...

In the bustling state of New York, navigating the roads can be an exhilarating experience, but it also comes with its share of challenges and risks. With a rapidly growing population and a dense traffic environment, ensuring the safety of both yourself and your vehicle is of paramount importance. One essential tool for achieving this goal is purchasing a car insurance policy. Here, we delve into the benefits of acquiring a car insurance policy in the Empire State. Legal Compliance and Peace of Mind In New York, as in most states, car insurance is not just a wise choice—it's the law. Having a valid car insurance policy ensures compliance with the state's legal requirements, offering peace of mind while you navigate the vibrant streets of New York. Driving without insurance can result in severe penalties, fines, and potential legal consequences. Financial Protection Auto insurance offers A financial safety net in case of an accident. It helps cover the costs of repairing or repla...

Managing Commercial Auto Insurance in New York can be more difficult than managing a firm that needs to employ automobiles, especially if you need to know which one to choose. One of the hardest choices you will make as a business owner is selecting the right insurance plan to protect your company's assets against unanticipated financial loss and the possibility of legal action. The first step in choosing the best type of commercial auto insurance is to understand the different commercial insurance coverage alternatives. According to Commercial Auto Insurance, there are two main sorts of automobiles. vehicles designed for carrying private passengers, such as cars, vans, SUVs, and compact trucks Pickups, dump trucks, dry goods, refrigerator boxes, car haulers, tanks, and other types of trucks, trailers, and tractors fall under this category. General insurance and specialized commercial auto insurance are the two primary subcategories of commercial auto insurance. There are six diff...

If you are a motorist with a car registered in New York, you must have a car insurance policy that meets the state-mandated minimum coverage. If you don't, you risk having your vehicle registration and driver's license suspended.  However, choosing the right car insurance policy can be overwhelming with so many options. The auto insurance company in New York offers various products that make buying car insurance challenging.  No worries; the blog post here covers the five essential auto insurance coverage options for New York drivers.  Types of Auto Insurance Coverage Bodily Injury Liability It covers the expenses related to the injury or death of another driver or pedestrian due to your fault. The minimum limit of the bodily injury liability coverage mandated by New York's Vehicle and Traffic Law is $25,000 per person or $50,000 per accident. However, most people in New York choose to raise their limits to 100/300, but it varies by auto insurance company in New York and...

If you have a car in New York, it's essential to have auto insurance. It is legally mandatory and can save you money and stress in the long run. You can obtain insurance from an auto insurance company in New York , but you may ask why you should purchase insurance. Well, there are numerous benefits. To help you know them, we'll review the benefits of owning insurance for your automobile in the article. Benefits to Know: Protection Against Financial Loss: One of the primary benefits of car insurance is its financial protection. If you're in an accident and are deemed at fault, you could be liable for the damages to the other person's vehicle and medical bills. Without insurance, you will have to pay these costs out of your pocket, which could be financially devastating. However, with car insurance, you can be protected from these expenses and instead have your insurance provider cover the costs up to your policy limit. Coverage for Bodily Injuries: Another essential aspe...

In most countries like Newyork, drivers are mandated to have auto insurance. Although auto insurance is not required in other states, drivers must nonetheless be able to demonstrate financial responsibility in the event of an accident.  While it's true that most drivers carry insurance from the car insurance company in NY because it's required by law, it doesn't imply you should skimp on coverage. Getting auto insurance is a smart move for several reasons. Let's check out why auto insurance is important. Save From Money You may save yourself and your family a lot of money in the long run by investing in car insurance now. You can save a lot of money in the long run if you invest a little of it now in your safety.  Collision insurance, comprehensive insurance, liability insurance for property damage, and personal injury liability insurance can all assist in covering the expenses of potentially devastating claims. Avoid Hassle and Wasted Time  Dealing with the aftermath ...