Who Can Drive Vehicles Insured with Classic Car Insurance?

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Classic car insurance is a specialized type of policy designed to protect vehicles that qualify as classic, antique, or exotic models. These policies often have specific terms; one common specific is who can drive the insured vehicle. Here’s a look at who might be permitted by a classic car policy to operate the vehicle.

Designated Drivers on the Policy

Many classic car insurance policies list designated drivers who are allowed to operate the vehicle. If designated drivers are explicitly listed on a policy, they’re likely the only ones who can drive the car. Coverage may be voided if anyone else gets behind the wheel.

If a policy doesn’t have an explicit list of designated drivers, then most licensed drivers can likely operate the vehicle — so long as they aren’t in an excluded category.

High-Risk Drivers

High-risk drivers, such as those with DUIs or a history of serious traffic violations, are often not permitted to drive under a classic car insurance policy. They may not be able to get their own classic car policy, and other driver’s classic car policies will almost certainly void coverage if a high-risk driver gets behind the wheel.

If you own a classic car and recently got a DUI, we at Kinowski Agency Inc. can help you explore what your options are. While many policies for classic vehicles might exclude you, there are usually some available that won’t. We’ll look at what options are available to Amsterdam, NY drivers in your situation and find the best solution.

Young Drivers

Sometimes policies exclude young drivers from operating vehicles insured with classic car insurance. Young drivers are typically those under the age of 25.

Check Your Policy’s Terms

While these are common restrictions, every classic car insurance policy has its own terms that dictate coverage. If you’re in Amsterdam, NY, we at Kinowski Agency Inc. can help you find a policy that has terms that allow you and your family members to drive a classic car.

Why Outdoor Companies Need Recreational Insurance

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There are many types of insurance that a business should have. The specific types often depend on the size of the business, the facility it operates in, and the nature of the business. When you have a recreational business, especially one that comes with a number of risks to the customers, it’s essential to have recreational insurance. This is important coverage for protecting your business against the many risks it faces and the lawsuits that could come from them. When you need recreational insurance, call us at Kinowski Agency Inc. in Amsterdam, NY.

Recreational Businesses

Is your business centered on adventurous fun? This may include indoor delights such as a climbing wall. It often includes outdoor events like canoeing, kayaking, horseback riding, hiking, rock climbing, etc. You may take people hunting or fishing, or you may conduct bicycle tours. Whatever your leisure activity, it often runs the risk of serious accidents happening. To cover these, you need recreational insurance. This coverage can pay for things like medical bills and legal costs when an accident happens to one of your customers. 

Protect Your Business

There are many other types of business insurance that you may already have, but most of them won’t cover something like a rock climbing accident. They often center on things like the facility itself getting damaged or having cyber problems like a data breach. You need recreational insurance for the accidents that are pretty inevitable in the recreational industry. Make sure you have plenty of this coverage so that even a serious accident can be paid for by the policy. This protects your business and makes sure that you can continue without having to sell it to pay for the medical bills. 

Get Recreational Insurance

To get your recreational policy, call us at Kinowski Agency Inc. in Amsterdam, NY. 

How Insurance Works When Storing an RV

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Owning a Recreational Vehicle is all about experiencing the freedom of exploring the open road and new destinations. However, most RV owners store their vehicles during the off-season or when not exploring the byways and highways of interest. The insurance professionals at the Kinowski Agency Inc. in Amsterdam, NY offer this guidance about how RV insurance works when the RV is in storage.  

Insurance When Storing an RV

Before storing your recreational vehicle–

  • Review your insurance coverage to ensure you understand the existing coverage when the RV is stored.  
  • Let your insurance company know you plan to store your RV, as they may have specific storage requirements.
  • Choose a secured, monitored storage location to reduce the risk of theft and vandalism.
  • Document the current condition of the RV with pictures and written records.
  • Check the stored RV regularly.

Insurance Coverage Options

Comprehensive

Comprehensive coverage, which may be called ‘storage insurance,’ is a great option when the RV is not in use as it offers coverage for emergencies, non-accidental, or non-collision events– like fire, theft, vandalism, etc. Often, coverage can be reduced to include only comprehensive with a simple request to the insurance company.

Liability

Liability coverage may still be applicable even when the RV is stored, as it offers protection should someone become injured on your property or the RV damages someone else’s property.

If you plan to store the RV for an extended period, you can temporarily suspend all insurance (or just collision, for example), which means the RV coverage will be reduced or nonexistent.  

We Are Here To Help

Properly managing your RV insurance in storage is essential in protecting your investment. For more information, contact us at Kinowski Agency Inc. serving the greater Amsterdam, NY community today.

What Motorcycle Riders Need to Know in New York

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Amsterdam’s scenic routes and vibrant streets offer motorcycle riders a unique experience. Our scenic roads and byways provide a picturesque backdrop for riders looking to unwind. While the wind on your face feels exhilarating, ensuring that you’re protected is job one for any motorcyclist.

The Essence of Motorcycle Insurance

Every rider knows the importance of being prepared. Beyond the safety gear and maintenance, there’s another layer of protection—motorcycle insurance. It’s not just a piece of paper. It’s peace of mind, a way to ride confidently, knowing you have a backup plan for unforeseen circumstances.

Why Choose Us?

Amsterdam NY motorcycle riders have found a trusted partner in Kinowski Agency Inc., serving the city’s vast motorcycling community. This agency has consistently shown commitment by offering guidance, understanding unique needs, and ensuring riders equip themselves with the best information.

It’s not just about finding insurance. It’s about understanding the nuances of different coverages and finding the perfect fit for your riding lifestyle. While it’s essential to consider cost and value, remember that your primary focus should be on the coverage and reliability a trusted agency offers.

Protect Your Ride in Amsterdam, NY

Motorcycles resonate with riders. But with that unique freedom comes responsibility. As you navigate Amsterdam’s streets, ensuring your journey remains safe and uninterrupted is vital. With tailored solutions and expert advice on association and safety available discounts to riders, our team is here to provide just that.

Kinowski Agency Inc. Is Here To Help

It’s time to take action and unlock both value and reliability. If you’re looking for guidance or want to explore your options, connect with Kinowski Agency Inc. today. Let’s keep the Amsterdam, NY motorcycle spirit alive, safe, and insured.

Does everyone in New York need to have boat insurance?

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Being a boat owner in the Amsterdam, NY area is a dream for many people. Those with a boat in this area can enjoy all of the great local lakes and waterways throughout the summer months of the year. When you do buy a boat, you will want to know that you get proper insurance as well.

There are a lot of reasons to get this type of insurance here:

Coverage For Your Boat

A reason that all people here need to get a boat insurance plan is so they can properly cover their boat. There is a big investment required when you are going to purchase a boat in this part of the state. An ideal way that you can protect your investment is by getting a boat insurance policy as it will give coverage in the event you need to replace or repair the boat due to theft, damage, or other types of loss. 

Reduce Liability Risks

Being liable for an accident that occurs on the water is a recurring risk faced by boat owners. If this does occur, you will need to cover any damages that arise from the collision. As this can be significant, insuring against the risk with a boat insurance policy is necessary. When you get a boat insurance policy, it will provide support to ensure you are able to cover these costs.

Reach Out To Us

It is ideal for anyone in the Amsterdam, NY area to carry boat insurance as long as they own the watercraft. When you are trying to get this insurance coverage, it would be a great idea to call our team with Kinowski Agency Inc. There are a lot of great options to consider when looking for this coverage, and our team with Kinowski Agency Inc. can help you build a new policy. 

Does umbrella insurance replace my other policies?

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Umbrella insurance from us at Kinowski Agency Inc. is an extra form of liability protection that provides coverage over and above existing policy limits. This type of policy can provide a safety net for those in the Amsterdam, NY area with valuable assets or higher-than-average liabilities. While umbrella insurance is designed to supplement other policies, it does not replace them. 

Rather than replacing other policies, umbrella insurance works by providing an additional layer of protection when underlying limits have been exhausted. It broadens your coverage for claims such as personal injury, property damage, and slander/libel in excess of the limits found in various liability policies. This type of policy also covers expenses associated with defending against covered lawsuits, which can add up quickly. 

Umbrella insurance provides peace of mind and security for individuals and business owners who are concerned about protecting their assets from potential lawsuits or unforeseen circumstances. It’s important to remember, however, that umbrella insurance does not replace other forms of coverage such as health insurance or homeowners/renters policies; rather, it complements them by providing an additional level of financial protection should you be held liable for damages beyond your existing policy limits.

Furthermore, umbrella insurance can also provide coverage for risks not included in your other policies such as libel, slander, or false arrest. It is important to note that the amount and type of coverage depend on the policy you choose, so be sure to shop around and select a policy that meets your individual needs. 

We Are Here To Help

For more information, give us at Kinowski Agency Inc. a call today. We are proud to serve the Amsterdam, NY area and would be happy to help you find a policy that meets all of your needs.

4 Tips to Get the Right Condo Insurance

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Getting the right condo insurance matters, and if you’re in the Amsterdam, NY area, Kinowski Agency Inc. can help. Our agents know what makes a great policy and can answer any questions you have about your current policy or one you’re considering. Whether you have insurance on your condo already or are buying a condo and need a new policy, here are four tips to consider.

4 Tips to Get the Right Condo Insurance

1. Understand what’s really covered when you buy condo insurance.

Condos aren’t the same as detached houses, and they don’t require the same type of coverage. But it’s still important to make sure you have a policy that addresses all the important areas you’re responsible for so you have proper protection.

2. Work with a trusted agent to help you.

Don’t choose a policy on your own, especially if you’ve never owned a condo before. By working with an agent, you’ll be much more likely to get the right coverage and not have anything left out.

3. Make sure you’re protecting any unique items.

If you plan to keep something very valuable in your condo, like high-end artwork or expensive jewelry, you may want to have your policy reflect that. Otherwise, you might not have as much coverage as you need in the event of a claim.

4. Consider how your needs change over time.

Sometimes insurance needs change, and you may want to revisit your condo policy on a yearly basis or even sooner if you have a big life event. Keeping your policy current is extremely important.

We Are Here To Help

Buying condo insurance is important for protection and also for peace of mind. Kinowski Agency Inc. can help if you’re in the Amsterdam, NY area. Reach out to us today, and let us work with you to find the policy that meets your needs.

5 moments when you’ll need to update your life insurance

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A life insurance policy is an important component of financial planning. Life insurance can help with the financial stress that comes with the death of a spouse, parent, or partner. As circumstances in your life change, you may need to revisit your policy and make changes. Here at Kinowski Agency Inc., we are proud to assist the greater Amsterdam, NY region with life insurance coverage and questions.

Here are 5 important life moments where you’ll want to update your life insurance policy:

1. Relationships or Marriages

If you have a spouse or a life partner, you are both likely to contribute to the household. If one of you dies, your financial obligations are transferred to the other. With a life insurance policy in place, your loved ones can use the death benefits to maintain their standard of living and pay their obligations and debts.

2. When You Have A Child

When you have children, you take on the responsibility of caring for another person. Raising children is not cheap. If you die, your spouse, partner, or appointed guardian can provide financial assistance to your children.

3. When You Buy A House

Your monthly expenses are likely to rise when you buy a property. A mortgage is a large debt. If your husband or surviving partner does not have the financial resources to pay for it, they may lose their most valuable asset. You may need to revise your policy to ensure that your beneficiaries have enough money to cover the household expenses that your income would typically cover.

4. When You Start A New Job

When you change jobs, you may need to review your life insurance requirements. Inquire about the company’s life insurance policies. These policies are typically smaller and intended to cover funeral expenditures, but some businesses offer the option to purchase larger coverage at a discounted rate. You should also ensure that the amount of your life insurance coverage corresponds to your new income. Your insurance should, on average, be at least five times your annual salary.

5. Retiring

Another moment when you should consider your life insurance needs is when you retire. As you enter the next chapter of your life, a financial professional can assist you in determining your life insurance needs. 

Call Us Today

If you have any life insurance questions, please know that we can help. At Kinowski Agency Inc. we have a team of expert agents who are ready to answer any questions you may have about obtaining a life insurance policy. We are proud to be serving the Amsterdam, NY area and are ready to create your policy, today. 

Safe driving tips for new drivers

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As a new driver, it’s important to understand the importance of safe driving. Even if you have had your license for a while, it never hurts to brush up on some safety tips. Here are some helpful tips from us at Kinowski Agency Inc. to ensure that you stay safe on the road here in the Amsterdam, NY area, or anywhere: 

Safe driving tips for new drivers

1. Follow all traffic laws and speed limits:

Obeying the law will help you avoid dangerous situations and potential tickets. Always pay attention to posted signs and obey all speed limits – no matter how tempting it may be to speed. 

2. Avoid distractions:

Put away your phone, don’t eat or drink while driving and focus solely on the task at hand: safely navigating through traffic. 

3. Always wear your seatbelt:

It only takes a few seconds and can save your life in an accident. Make sure everyone in the car is buckled up before you start driving. 

4. Never drive tired or under the influence of alcohol/drugs:

Driving tired or under the influence puts yourself and others around you at risk for serious injury or death in a crash. When in doubt, call a friend or take public transportation instead of getting behind the wheel impaired or overtired. 

5. Maintain your vehicle regularly:

Regularly check tire pressure and engine oil levels as well as brake pads, windshield wipers, and other vital parts of your vehicle so that any potential problems can be caught early on before they become more serious issues down the line. 

Don’t Be Without Auto Insurance

For more tips, give us at the Kinowski Agency Inc. a call today. We are proud to serve the Amsterdam, NY area and would be happy to help you find a policy that suits your needs. 

Don’t Leave Your Classic Car Unprotected – Insure It

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Are you the owner of a classic car and living in the Amsterdam, NY area? If so, make sure you have the professionals at Kinowski Agency Inc. provide the insurance you need for your classic car.

Classic Car Coverage Options

The definition of a “classic car” will differ based on who you ask. The CCCA, Classic Car Club of America, defines a classic as one manufactured from 1915 to 1948. Some use the term to refer to antique, collector, and vintage cars.

Basically, definitions of what determines a classic car will depend on your insurance company.

This is how these cars are defined by some insurance companies:

  • An antique automobile is 25 or more years old and has been maintained, restored, or preserved by an antique automobile enthusiast.
  • A classic automobile is one that is 10 years old or more and is a rare vehicle or of historical interest, that has been maintained, restored, and preserved by a classic automobile enthusiast.
  • A replica is a reproduction of a classic or antique automobile. A vehicle more than 25 years old is considered an antique.

Classic car insurance covers a wide range of vehicles.

Here are some types that may be eligible for classic car insurance:

  • Antiques
  • Classic cars
  • Classic military vehicles
  • Classic tractors
  • Military vehicles
  • Modified vehicles, such as hot rods
  • Race cars
  • Retired commercial vehicles, such as fire trucks
  • Trucks
  • 1980 and newer collector vehicles

Classic car insurance covers a variety of cars. How the vehicle is used is usually a key factor insurance companies use to determine coverage.

Insurance for a classic car generally means “limited use”. The car will be driven only for certain activities, such as classic car club functions, parades, and exhibitions.  The vehicle can also be used for occasional pleasure drives. But if it is being used on a regular basis, for example, commuting to your place of employment, it will not be covered by a classic car policy.

Reach Out To Us

Kinowski Agency Inc. in Amsterdam, NY can provide a quote or answers to any questions you may have. Contact us today.