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Insurance is a Commodity ... Until You Need To Use It

Patrick Wraight is out with an important point about the downside of "fast, cheap, and easy insurance purchasing." He describes the case of a driver injured by another at-fault driver and who was let down by both her own carrier and that of the other driver.

Two Minutes With Tim - Car Sharing

​If you have a New York personal auto insurance policy, in most cases you automatically have coverage for damage you do to a vehicle you rent. What about if you get a vehicle from a car sharing service? Does the insurance apply to that car? Watch the video to find out. Spoiler alert: Keep your debit card handy.

Two Minutes With Tim: Car Sharing from Big I New York on Vimeo.

Reminder: It's Peak Hurricane Season

Lynne McChristian of the Insurance Information Institute has an important reminder today:

Peak hurricane season has arrived. ...

Mid-August through the end of October historically is when most hurricanes form. Remember HIM? Hurricanes Harvey, Irma and Maria made landfall between mid-August and the end of September in 2017. Two Category 4 storms and one Category 5 occurred in a matter of weeks in a season predicted to be slightly above average.Last year’s Hurricane Michael hit in late October. While this year’s latest prediction is for a “near-average season,” hurricane researchers will tell you that it only takes one hurricane making landfall near you to break the law of averages.

To that list, I would add: