How To Protect Yourself From Hit and Run Accidents

Posted on August 29, 2025August 26, 2025 by admin

Hit-and-run accidents can leave anyone feeling frustrated, confused, and vulnerable. One moment you’re parked safely or driving along, and the next, you’re dealing with damage and no one to hold accountable. At AW Burchell Agency Inc., serving New York, we understand how stressful these situations can be, and we’re here to help you stay one step ahead.

Stay Alert and Drive Defensively

While you can’t predict every driver’s behavior, staying alert is your best first line of defense. Keep your eyes on the road, check mirrors frequently, and watch for erratic drivers. Avoid distractions like your phone or loud music, as anything that pulls your attention away from your surroundings increases your risk of injury.

Park Smart, Especially at Night

Where you leave your car matters. Try to park in well-lit areas or in lots with security cameras. Hit-and-run incidents often occur when vehicles are left unattended in dim, low-traffic areas. If you’re using street parking, choose spots that are visible to other drivers and pedestrians.

Know Your Insurance Coverage

Even with all the proper precautions, accidents happen. That’s why it’s essential to understand your auto insurance policy. Uninsured motorist coverage, for example, can help cover damages if the person who hit you can’t be identified. At AW Burchell Agency Inc., serving New York, we often work with clients to customize policies that include protection for situations like this.

Be Prepared Before It Happens

No one expects to be the victim of a hit-and-run, but preparation makes all the difference. If you’re unsure whether your current insurance offers the proper protection, now is a great time to review it. Contact AW Burchell Agency Inc. today, and let’s make sure you’re fully covered, no matter what the road throws your way.

What is Non-Owner Auto Insurance – and Do You Need It?

Posted on October 28, 2024October 25, 2024 by admin

Driving is a great privilege and convenience, especially if you own a vehicle. Being on the road as a driver carries great responsibility, and part of that responsibility is to purchase auto insurance. If you live in the Cortland, New York area, our AW Burchell Agency Inc. team is ready to provide you with a full range of options for your auto insurance needs. Our team, previously known as the Rainbow-Wafer Agency, has provided insurance for our area for over 30 years.

Understanding Non-Owner Auto Insurance

If you have a driver’s license but don’t own a car, you must still purchase auto insurance. This type of insurance is called non-owner auto insurance. Buying non-owner insurance will provide you with liability coverage, covering any damage or bodily injury you cause while driving someone else’s vehicle.

Our research shows that non-owner car insurance is less expensive than traditional car insurance. Many drivers mistakenly believe that they are covered by the insurance of the person who owns their car. This isn’t the case; you need insurance to cover your actions as a driver. The complete cost of these policies will depend on your age, your driving record, the number of years you have been driving, and your location.

Contact Us Today

Car owners and non-owners must obey the New York State laws regarding auto insurance. Talking with one of our experienced agents at AW Burchell Agency Inc. will help you understand all your available auto insurance options. Cortland, New York, residents can feel confident, allowing us to provide them with insurance recommendations. Call us for an appointment today, and let’s talk about insurance.

Auto Insurance because the Road Ahead is Unpredictable

Posted on December 21, 2023December 31, 2023 by admin

The road is full of cars and other drivers, and on any given day, those cars or those drivers could act up, and that is when having the right auto insurance partner can make a difference. At AW Burchell Agency Inc., we are that partner for many drivers who call New York home.

So Many Drivers – So Many Cars

If every vehicle was guaranteed not to break down or have mechanical failures, and could stop on a dime, we all would feel a little better about driving, right? And if we were certain that everyone behind the wheel was attentive, not on their phones, and had superlative driving skills, we might not even need insurance, right?

Unfortunately, that isn’t the world we live (and drive) in, and there is a reason why having auto insurance is the law. With so many drivers and so many vehicles on the road, the truth is, we can never be sure or completely comfortable not knowing who is driving the vehicle behind us, in front of us, or beside us.

It also doesn’t take a mathematician to recognize that the odds are most of us will encounter some automobile accident at some point during our lives. At AW Burchell Agency Inc., New York drivers can feel better and safer knowing they have the protection they need and deserve.

Because the Road Ahead is Unpredictable

Cross your fingers and knock on wood, and let us all hope that we never have a fender bender or a more violent collision. And let us also hope that if we do, that we have the insurance we need because the road ahead truly is unpredictable. Contact us to make an appointment today and be better protected for the road ahead.

Understanding the Basics of Auto Insurance

Posted on February 8, 2023February 8, 2023 by admin

New York and Pennsylvania are two of the most populous states in the United States. Both of these states have a rich history and diverse cultures that make them unique and exciting places to live. Despite their differences, they share a common need for quality insurance services, and that’s where AW Burchell Agency Inc. comes in.

With over 50 years of experience, we have built a reputation for providing exceptional customer service and delivering personalized insurance solutions to meet the needs of our clients. One of the most common coverages we offer is the one for your automotive needs.

Understanding the Basics of Auto Insurance

Auto insurance is mandatory in both New York and Pennsylvania.

These are the main types of coverage options:

Liability Coverage: You need to have at least an auto liability insurance policy added to your coverage. This is required by law.

Collision Coverage: Without this coverage, you need to pay out of pocket for repairs to your vehicle in the case of an accident where the other motorist is not liable to pay.

Comprehensive Coverage: This coverage coves in handy if your vehicle gets damaged by any natural disaster of vandalism.

Give Us A Call

AW Burchell Agency Inc. is committed to providing the highest quality insurance services to its clients in New York and Pennsylvania. From its offices in these two states, the agency is able to provide a local touch to its services, ensuring that clients receive the best possible insurance experience. When you are looking for the right policy for your automobile, give us a call and we will find the coverage that best fits your needs.