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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Insurance for Customized Vehicles

Most automobile insurance packages are designed to cover cars as they were manufactured. If you need to customize your vehicle for towing, handicap access, or other reasons, how does it affect your insurance policy?

Vehicles for Towing or Plowing

Winter in Albany, NY can bring heavy snows that challenge your shoveling skills. Attaching a snow plow to the front of your heavy-duty truck can help reduce your workload and keep your property clear in storm conditions. Or you may need to attach a trailer hitch to transport equipment or tow other vehicles.

Changing the function of your vehicle may affect your automobile policy in important ways.

  • Customizations can void warranties, leaving you on the hook for repairs or replacements.
  • You may need additional policies or riders to cover specialized equipment. Contact the insurance experts at NY Twin Bridges Insurance Agency to make sure you have enough coverage.

Modifications for Handicap Access

Disabled drivers and passengers may need customizations to comfortably enter, exit, and operate their vehicles. How does this change their automobile insurance policies?

Per the Americans with Disabilities Act of 1990, insurance companies are not allowed to charge higher rates to disabled drivers. They can, however, charge more for vehicles that have been heavily modified. This justifies the increased cost of replacing custom installations if an accident occurs.

When meeting with an insurance agent, bring a list of modifications you’ve done to your vehicles. This will help the agent determine what coverage you may need.

Personality Accents

Some people use their cars to express their personality. Decorative elements like spoilers, hub caps, and window tinting generally does not affect automobile insurance policies. However, performance-based modifications might change your agreement. If you redesign your car for racing, off-roading, or another unusual activity, you may not qualify for a regular passenger policy. Talk to your insurance agent about specialized policies for these types of vehicles.

Do you own a customized vehicle in the Albany, NY area? NY Twin Bridges Insurance Agency will help you find the right coverage for your car, no matter how you use it.

5 Things to Know About Retirement Insurance

Retirement insurance in Albany, NY may be a confusing term to many people, and this may be because it’s not discussed very often. Find out more about what you need to know from NY Twin Bridges Insurance Agency before you make any more assumptions about it. 

Retirement Insurance Doesn’t Stand Alone (Normally)

Unlike health or auto insurance that stand on their own, retirement insurance is normally a part of an insurance package that is presented to an employee long before they ever get ready to leave their position.

Retirement Insurance Is Not Life Insurance 

This special form of insurance is designed to keep up with how you like to live your life, so you’re not dependent on social security as your sole source of support. As inflation continues to impact our market, retirees need to be ready to cover a number of daily living needs. 

Divorce Does Not Necessarily Affect Retirement Insurance 

If your spouse is on your retirement insurance but you get divorced, they may still be considered a part of your policy. Generally speaking, if your marriage spanned over several decades but ended close to the age of retirement, the terms of your policy are the same as if you had stayed married. 

Each Case Is Different 

Just like with other major forms of insurance, your case is dependent on your specific circumstances. This may include the length of your career, your total wealth, your retirement age, and your current lifestyle. 

Who You Work with Matters 

Talk to NY Twin Bridges Insurance Agency to find out more about how retirement insurance works. Our staff understands it all and is ready to help you understand it too. Give us a call today if you live in Albany, NY and are looking for some answers.