When Should I Tell My Employer About My Injury?

A work-related injury is a serious business. If you are injured while on the job, there are deadlines that must be met. Worker’s Compensation insurance is designed to protect you from financial loss if this type of injury occurs. The agents of The Budde Agency Inc. serve Amityville, NY residents. They are there to answer your questions and make sure you have the coverage you need if and when you experience a work-related injury.

Inform Your Employer Immediately

If an accident occurs in the workplace and results in you receiving any type of injury, you should notify your employer immediately. It is their responsibility to maintain a safe and productive work environment. Notifying them of the accident will allow you to receive the treatment you need and will help your employer improve the workplace environment. 

Document Everything

Document as much as possible prior to leaving the scene of the accident. This includes taking pictures with your phone from several angles and writing down as much as you can remember. Seek medical treatment as soon as possible, again, documenting as much as you can. Always keep an ongoing record of all phone calls, doctor visits and any other information that you feel is important to your case. 

Agents of the Budde Agency Inc. can explain your rights and responsibilities to you if you have experienced a work-related injury. Amityville, NY residents need to know what they are entitled to if they file a Worker’s Compensation claim. Schedule an appointment with an agent to go over your Worker’s Compensation coverage. It’s important to know as much as you can before an accident occurs. Call today!

How to Insure Your Award-Winning Roadster or Other Vintage Automobiles

Collecting vintage automobiles is a fun hobby. If you get lucky, it can even be profitable. Owning and then showing your vehicles at auto shows gives you a chance to travel and meet new people who are also interested in vintage automobiles. If you live in a small town, you may have a place in the annual parades driving down Main Street.

No matter what age you are, if you drive up to the nearest neighborhood hang out in a beautifully restored vintage roadster, you and your auto are going to get a ton of appreciative looks. You will probably have to answer many questions about the car, as well.

Classic Auto Insurance

Classic auto insurance is not the same as regular auto insurance. One of the biggest differences is the determination of value. Vintage collectible vehicles may be worth considerable sums. Usually, to get adequate insurance coverage, the insurance company requires a value appraisal from an acceptable appraiser.

To learn more about how this works, ask your agent at The Budde Agency Inc. serving Amityville, NY, and the surrounding communities.

Appraisal Updates

Very valuable collectible cars may go up in value substantially each year. As part of an annual auto insurance review, check the appraisal valuation to make sure it is still in alignment with current market values. You may want to keep tabs with current auction prices of similar models to see what they are selling for to stay well-informed about the current values.

Restoration and Customized Upgrades

If you do a major restoration of a vintage vehicle or add any customized upgrades, you will want to consult with your insurance agent to adjust your insurance accordingly with the increased value.

Contact your agent at The Budde Agency Inc. in Amityville, NY by calling our office to get a quote for classic auto insurance.

3 Tips for Buying Recreational Insurance in Amityville, NY

Recreational insurance is a great way to protect your toys. Whether your passion is boats, ATVs, RVs, or jet skis, having recreational insurance in Amityville, NY protects your property and any liability issues that might occur down the road. If you have yet to purchase this type of policy or are interested in exploring a new policy, The Budde Agency Inc. has put together three tips for buying recreational insurance that will get you the best policy and save you money in the process. Read on to learn more:

1. Bundle Your Insurance Policies

Chances are you already have two or more insurance policies, such as homeowners insurance, auto insurance, life insurance, and other policies. When you bundle your recreational insurance, along with your other policies, under one insurance company you can get a discount on your premiums. Insurance companies love to reward loyal customers by helping them save money. 

2. Compare Several Insurance Quotes

It’s always a good idea to compare several recreational insurance policies before deciding on the right one. Go over them in fine detail, comparing cost and coverage. An agent from The Budde Agency Inc. can help you with this task. 

3. Work with a Reputable Agent

Working with a reputable insurance agent is the key to purchasing the right policy. An agent will help you easily understand your policy, what it covers, and how much it is going to cost. They will also help you save as much money on your premiums as possible. The friendly team at The Budde Agency Inc. is standing by to answer all of your questions and concerns about recreational insurance. Give us a call today at 631-264-0579. 

 

 

Will My Renters Insurance Cover a Hotel Room if My Apartment Is Damaged by Neighbors?

If you live in an apartment, there will be times when you experience damage due to the neglect of other tenants. Having a water leak in your apartment may cause it to be unlivable until the complex can make the necessary repairs. Amityville, NY residents can contact the agents at The Budde Agency Inc. if they want to learn how to fully protect themselves from this type of disaster. 

Loss of Use Coverage

Loss of Use coverage is not included in all renter’s policies. In some cases, you will have to ask your agent to ensure that you have this type of coverage. Basically, it will cover your hotel expenses if you lose the use of your apartment due to an unforeseen accident or disaster. The length of time this type of coverage stays in place will be determined by the policy.

Protect Yourself

When you live in an apartment, you are always going to be subjected to the acts of others. Make sure you are fully protected by your renter’s policy. Have your agent include Loss of Use coverage. At the same time, make sure you have provided them with a full inventory of all your possessions so you know needs to be replaced if an accident occurs.

Renters who live in Amityville, NY can call the agents at The Budde Agency Inc. whenever they have questions concerning their insurance coverage. They can also find out a few tips and tricks to ensure they have all of the coverage they need to protect themselves as well. Call and schedule your appointment today!

How Will A DUI Affect My Motorcycle Insurance?

If you get a DUI in Amityville, NY, you can expect a few changes in both your driving privileges and your insurance coverage. At the Budde Agency Inc. the agents will be able to assist you in keeping your insurance in place and working to restore your driving record. A DUI is a serious offense and has strict consequences that will affect every aspect of your life.

Extensive Fines and Fees

One of the most common things you will notice when getting a DUI is that the fines and fees associated with the offense are extensive. In fact, you may have to pay tens of thousands of dollars just to get your license reinstated and pay off your court costs.

Loss of Your License

Most states require that you lose your license for a specific period of time after a DUI. New York is no different. The county where the offense occurred will determine how long you will have to be without your license. In most cases, this will be based on whether this is your first, second, or third offense.

Increased Insurance Premiums

Because of the severity of a DUI infraction, most insurance companies will raise your premiums due to the increased risk. While this may happen with any type of traffic violation, the severity associated with a DUI is much higher in terms of the potential loss.

If you have received a DUI and live in the Amityville, NY area, call the agents of The Budde Agency Inc. Their knowledgeable staff can provide you with the documentation you need for your case as well as help you retain your insurance as you go through this difficult time.

When is boat insurance a requirement?

Owning a boat in the Amityville, NY area is a dream for many people. When you do have your own boat, there are a variety of requirements that need to be properly followed. One type of requirement that you might have could be to carry boat insurance. There are a variety of situations in which having boat insurance in place could be a requirement for you. 

You Have a Loan

The first situation in which having boat insurance could be a requirement for you is if you have a loan out against the boat. Buying a boat is a big purchase and many times requires a loan to finance it. If you have taken out a loan to buy a boat, the lender will require that you have boat insurance to protect their collateral. If you do not have boat insurance, you will be in violation of your boat loan agreement. 

Local Requirements

Another situation when you need to have boat insurance is if it is a local requirement. While the state does not necessarily require it, some private wateways and marinas will. These organizations will want to make sure that all people on a boat have insurance to cover any liability. This could prove to be very helpful if you are ever found to be at fault during an accident. 

When you are looking for insurance for your Amityville, NY boat, you should speak with the team at The Budde Agency Inc. When you come to meet with the team at The Budde Agency Inc. you will be able to get more information regarding your boat insurance needs. They can then provide you with a full analysis and assessment to make sure you get into a policy that provides you with the right level of coverage. 

Most Important Facts about Umbrella Coverage

Before taking out an umbrella insurance policy, know the facts about this type of coverage. Umbrella insurance is designed to increase your liability protection beyond what standard home or auto policies have to offer. Umbrella insurance also provides coverage that many primary policies do not.

The following facts about umbrella insurance will help you determine if it’s right for you:

Extensive Coverage

Umbrella insurance provides extensive home or auto liability coverage to protect you against costly liability claims that may arise due to an accident. If you’re found at fault for a serious auto accident where damages exceed your auto liability limits, your umbrella coverage will kick in to cover remaining costs. Without this coverage, you could be held liable for these expenses out-of-pocket.

Protection for Recreational Vehicles

You can obtain umbrella liability insurance protection for your recreational vehicles as well to include your boat, ATV and snowmobile. At The Budde Agency Inc. in Amityville, NY, we can customize an umbrella policy for you to ensure you get the protection you need.

Protection While Traveling

By getting world-wide coverage, umbrella insurance can protect you as you travel for business or pleasure. Umbrella liability insurance is just as effective abroad as it is in your home country.

Protection for Financial Assets and Earnings

Through umbrella coverage, you protect your financial assets and earnings from costly liability claims that extend beyond the limits of your primary insurance policies for accidents you cause. A costly claim could liquidate your savings, retirement account and even force you to pay out of future earnings to cover damages, putting you at risk of grave financial loss. If your lifestyle puts you at risk of accidents, you can benefit from umbrella coverage. 

To obtain umbrella insurance and benefit from all that it has to offer, contact The Budde Agency Inc. in Amityville, NY.

Recovering From a Flood: What Your Family Needs to Know

Flooding can be a traumatic life experience. Recovering from the flood will be dependent on several factors. Here are a few tips from The Budde Agency Inc., serving Amityville, NY and surrounding areas.

Return Safely

Once you have been cleared to return to your home after a flood, you will need to proceed with caution. It is possible that structural damage has taken place in your home. If this is the case, then entering the home can be hazardous. It is wise to leave young children and even young teens in the care of others when first returning to the home. This gives the adults a chance to evaluate the home and make sure it is safe enough for clean up efforts. It is also a good idea to leave pets in the care of another during this time as well.

Protect Your Health

During clean up, it is vital that you protect your health by using proper equipment. Gloves and face masks can help protect you from contaminates that might be lingering in your home. Follow protocols issued by FEMA to make clean up safer and more efficient.

Take Pictures

Before cleaning up, take pictures so that you can accurately account for damage to insurance. Pictures will be very valuable during this process.

Contact Insurance Quickly

Do not procrastinate on calling your insurance company. Although you may feel very overwhelmed and emotional after the flood, the best way to recover is by taking action. Get in touch with your insurance agency quickly so that you can start the claim process as soon as possible.

If you would like to learn more about flood risks and flood recovery, please call our friendly staff today at The Budde Agency Inc. serving Amityville, NY and surrounding areas.

Tips for New Drivers

If you or someone in your household is a new driver, it can be a scary but exciting experience. Here are some tips to stay calm so that you can enjoy your new independence. Feel free to call The Budde Agency Inc. of Amityville, NY to find out how adding a new driver impacts your insurance.

Drive in Situations You Can Control

For new drivers, the safest thing to do is to stick to daytime driving during good weather. This will give you the confidence you need to drive in the rain and at night. Once you gain more experience driving, you can begin to drive longer distances and will soon feel more comfortable driving in most situations. 

In any case, get as much practice as possible while you’re preparing for your driver’s test.

Drive When You’re Most Alert

Don’t drive while impaired. This could mean handing over your keys when you’re too tired, drunk, or sick to drive. Some prescription meds leave you too woozy or tired to drive as well. So, when you pull an all-nighter studying, working, or partying, don’t get behind the wheel.

Practice Highway Driving

Many people who are afraid of driving don’t want to go on the highway. Driving fast in heavy traffic can be extremely stressful. As long as you’re careful and don’t panic,  you should be fine. You’ll find that the right teacher can help you adjust quickly. Unfortunately, there’s no substitute for experience.

Listen to Calming or Upbeat Music

Listening to soothing music can help you relax. Loud, fast music is likely to make you more nervous than you already are, while slow music calms your heartbeat and helps you stay cool and collected on the road.

If you have any questions on your auto or other insurance needs, contact The Budde Agency Inc. of Amityville, NY to ask any questions you have or to set up an appointment for a quote.

 

When Do You Need To Increase Commercial Insurance Coverage?

If you are planning to open a business, or are already a business owner, you may be wondering how much insurance coverage is enough to protect you without overpaying for coverage you don’t need. When should you reduce the amount of commercial insurance you carry without leaving your business unprotected?

Reducing Your Coverage

If you are downsizing, moving into a location which is located in a smaller building, or where the structure value is significantly less, you may want to consider reducing your coverage. Maintaining coverage that is excessive is a waste of resources and can reduce the amount of money you have for other more important business-related expenses, such as inventory. Consult your insurance agent and discover whether or not you should consider reducing your coverage. 

Working With A Knowledgeable Company

If you are changing your coverage, you need to work with a company that will offer you options that won’t leave gaps in your commercial insurance policy. If you are located in the Amityville, NY area and want to work with skilled agents who can keep you on track with your commercial coverage, you should check out The Budde Agency Inc. Our agents will outline your needs and available options so you can get the most out of your coverage. 

Business owners located in the Amityville, NY area owe it to themselves and the livelihood of their company to consult The Budde Agency Inc. regarding their commercial insurance coverage. Call or stop by the office to speak with an experienced representative and begin optimizing your policy to reflect your current needs.