You are driving down the road listening to your favorite music. The next moment you hear a sudden bang on your windshield and a crack suddenly appears. Something hit your front windshield and now it is damaged. Whether it was a small rock, a loose grain of sand that fell of a construction truck, or a stick that fell of a tree, you need  to get your windshield fixed. It needs  to be done since you can be pulled over and issued a driving violation if your windshield is cracked and obstructing your driving view. But will your insurance company pay for the damage?
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​​Motorists take a NY defensive driving or accident prevention course for many different reasons including: insurance discounts; traffic point reductions; court requirements; or just as a refresher for good driving skills. Most people though take it to help them save money or reduce points on their driving records.

​Take an online defensive driving course with Improv Traffic School! You can receive a credit of up to 4 points on your driving record, and also save 10% on your liability, no-fault and collision premiums. Take the course anywhere on your laptop or on your smartphone! 

Pepe Insurance Agency is your trusted local insurance agent located at Poughquag, NY in Dutchess County. We do our best to make sure that our clients are well-protected with affordable auto insurance. We make sure to go the extra mile to help you with your needs. To learn more about auto insurance and to obtain a free quote, click on the button below.

No-fault insurance is a type of auto insurance coverage that helps pay for your or your passengers' medical bills if you are injured in an accident, regardless of who caused the accident. No-fault insurance is also called personal injury protection, or PIP. New York is one of a few states who follow this type of system. PIP is a mandatory and not an optional part of your New York auto policy.  The minimum amount of PIP coverage in New York is $50,000. You can purchase more PIP for extra premium.

You are taking a vacation and decide to rent a car for the week. You are now standing at the rental car counter and the agent asks you if you want to purchase car rental insurance. You didn't spend any time researching your options and are unsure if you need to purchase the insurance. Do you need it?

Collision and comprehensive coverage offer you protection when your vehicle is damaged either in a collision or other-than-collision. Comprehensive is the term used for other-than-collision.

With basic liability coverage, your auto insurance policy will only cover damage to other people and their property in a collision. It does not cover the cost of repairing your own vehicle. It does not include collision coverage and New York does not require you to carry collision coverage. Basic liability coverage is the bare minimum you are required to purchase in New York.