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    Blog Posts (5)
    • What is No-Fault Insurance? (2020)

      Understanding how no-fault insurance works By Taylor M Haines, Independent Agent October 13, 2020 One of the recurring questions I am asked as an insurance agent is "what is no-fault insurance?" or "how does no-fault insurance work?". If you live in a state where car insurance operates on a no-fault basis, it is important to understand exactly how it works - and how it impacts you as an insured. What is No-Fault Insurance? The easiest way I explain no-fault to my customers is this: Regardless of who is at-fault in causing the accident, your Personal Injury Protection (PIP) will always primarily pay for your injuries up to the policy limits. Unless injuries reach a certain threshold, you are unable to sue the other driver (regardless of accident fault) for damages to your person. It is very important to understand your Personal Injury limits on your policy and make sure you maintain adequate limits. The opposite of a no-fault state is a tort state. In a tort state, the driver that caused the accident is responsible for paying the injured party's medical costs. However, bear in mind that this can be reduced if the insurance companies find that each driver shared some fault in the accident. Am I in a No-Fault state? Car insurance can operate in one of two ways, depending on if your state is a "no-fault" state or a "tort" state. The following states are true no-fault states: Florida Hawaii Kansas Massachusetts Michigan Minnesota New York North Dakota Utah (Kentucky, New Jersey, and Pennsylvania are mixed states - where the ability to purchase traditional tort or no-fault rests with the policyholder.) What are the parts of No-Fault in New York? Since our agency is based out of New York, we will examine the no-fault benefits available to drivers in our state; Statutory Personal Injury Protection ($50,000 - Fixed) Under NYS law, all policies sold in the state of New York must contain $50,000 in Personal Injury Protection. You cannot refuse or lower this coverage. If you purchase a liability insurance policy in New York, your policy will automatically have this coverage. This is the primary coverage that pays for your injuries in a motor vehicle accident. Additional Personal Injury Protection (APIP) (Variable) This is an optional coverage, $25,000, $50,000, or $100,000 that drivers may choose to add to their statutory coverage. These limits are stacked, meaning that they will add to the statutory PIP limit above. This is the next coverage that will be used to cover your injuries, should your statutory limits become exhausted. Optional Basic Economic Loss (OBEL, $25,000 - Fixed) This is an optional $25,000 coverage that covers medical expenses and lost wages. Typically, the charge for OBEL is quite minimal, and I recommend every driver purchase it - even if you reject the APIP. This coverage also stacks onto the APIP and statutory PIP coverage. The combination of all these coverages added up is called the Aggregate No-Fault Benefits. It can be as minimal as $50,000, if you only select the statutory coverage, or max out at $175,000 should you choose all coverages. I always recommend my clients purchase the maximum in almost every situation; there is no dollar amount that you can put on your health. Understanding how no-fault insurance works is critical to making sure you have adequate limits on your policy. For a no-cost review of your insurance, request an appointment with one of our agents today at encompassupstate.com Taylor M. Haines Is the Vice President of Operations for Encompass Agency, Inc. of North Tonawanda, NY. Encompass represents more than 1,500 individual clients across 3 states for both personal and commercial lines of insurance. Originally from Skaneateles, NY, he moved to Buffalo in 2009 and is a graduate of the University at Buffalo (B.A., 2013) and SUNY Buffalo State College (M.S., 2016). For email inquiries, please send to taylor@encupstate.com

    • Auto, Home & Business Insurance in Tennesee (2020)

      Announcing our launch in the Volunteer State! By Taylor M Haines, Independent Agent October 12, 2020 A few things that come to mind when we think of Tennessee; country music, Jack Daniel's, and stunning Appalachian mountains. Now you can add Encompass Agency's Auto, Home, and Business Insurance to that list! As of October 13, 2020, we will officially be launching limited market Homeowners, Auto, Landlord, Motorcycle, ATV, Boat and Business Insurance (General Liability, Commercial Property) throughout the state. Our trial run that began in June has completed and we are excited to bring our products to you, TN! Currently, we are representing the following insurance companies in TN: - Travelers - The Hartford - Safeco/Liberty Mutual - Berkshire Hathaway Guard With many more options to come as we expand throughout the state. From Memphis to Knoxville and just about everywhere in between, Encompass Agency is proud to bring you Insurance from Buffalo, built just for you.™ Check us out at https://www.encompassupstate.com/tn to schedule an appointment over the phone or via Zoom/Facebook Messenger. Taylor M. Haines Is the Vice President of Operations for Encompass Agency, Inc. of North Tonawanda, NY. Encompass represents more than 1,500 individual clients across 3 states for both personal and commercial lines of insurance. Originally from Skaneateles, NY, he moved to Buffalo in 2009 and is a graduate of the University at Buffalo (B.A., 2013) and SUNY Buffalo State College (M.S., 2016). For email inquiries, please send to taylor@encupstate.com

    • Auto, Home & Business Insurance in Tennesee (2020)

      Announcing our launch in the Volunteer State! By Taylor M Haines, Independent Agent September 14, 2020 A few things that come to mind when we think of Tennessee; country music, Jack Daniel's, and stunning Appalachian mountains. Now you can add Encompass Agency's Auto, Home, and Business Insurance to that list! As of September 15, 2020, we will officially be launching limited market Homeowners, Auto, Landlord, Motorcycle, ATV, Boat and Business Insurance (General Liability, Commercial Property) throughout the state. Our trial run that began in June has completed and we are excited to bring our products to you, TN! Currently, we are representing the following insurance companies in TN: - Travelers - The Hartford - Safeco/Liberty Mutual - Berkshire Hathaway Guard With many more options to come as we expand throughout the state. From Memphis to Knoxville and just about everywhere in between, Encompass Agency is proud to bring you Insurance from Buffalo, built just for you.™ Check us out at https://www.encompassupstate.com/tn to schedule an appointment over the phone or via Zoom/Facebook Messenger. Taylor M. Haines Is the Vice President of Operations for Encompass Agency, Inc. of North Tonawanda, NY. Encompass represents more than 1,500 individual clients across 3 states for both personal and commercial lines of insurance. Originally from Skaneateles, NY, he moved to Buffalo in 2009 and is a graduate of the University at Buffalo (B.A., 2013) and SUNY Buffalo State College (M.S., 2016). For email inquiries, please send to taylor@encupstate.com

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    • Encompass Agency | Business Insurance

      Business Insurance Available in NY, PA, TN & VA Making sure your business has insurance is important. . Making sure your agent knows your market is more important ​ At Encompass Agency, our commercial agents are not only about helping you save money on insurance, but making sure you have the right insurance for your business. Explore our options below and let us find the right fit for your operation. Woker's Comp Available in NY, PA, VA, TN Protect your employees on the job with our Worker's Comp programs from major carriers... Request Quote Disability & PFL Available only in NY Providing off the job benefits for your employees is required by NYS Comp Law... Request Quote General Liability Available in NY, PA, VA, TN Protect your business and your operations with General Liability insurance... Request Quote Property Available in NY, PA, VA, TN Renter or Owner, we have coverage options for your commercial space... Request Quote Auto & Fleet Available in NY, PA, VA, TN From a single work truck or van to an 18-wheeler fleet, we have something for everyone... Request Quote Other Liability Contact for Availability Cyber, Errors & Omissions, Bonding, Media and Privacy, Directors & Officers and more... Request Quote Current Classes of Business Accepted Auto Repair & Body Shops Auto Dealers Apartments (Owners) Accountants Artisan Contractors (Carpenters, Handyman) Beauticians, Barbers & Salon Stylists Bakeries Bar & Taverns Cemeteries Churches Chiropractors Daycare Providers and Centers Delis & Convenience Stores Doctors & Physicians Offices Directors & Officers Non-Profits Electricians Escape Rooms Financial Services Fence Installation Florists Funeral Homes Guards (Armed Security and Unarmed) Glass Glaziers HVAC Installers and Service Home Security Installation Hardwood & Other Flooring Landscapers Laundromats Lawyers Manufacturing (Light) Marketing Firms Masonry & Concrete Office Buildings Professional Services Pharmacies Photographers Pizzerias Plumbers Printers Realtors Retailers Recording Studios Restaurants Roofers Sand & Gravel Haulers Software Designers and Developers Tile Work Trucking & OTR/LTL Transport Waterproofing Vacant Buildings Your business not listed? Call us to see if we can provide you a quote. Call Now

    • Encompass Agency | Personal Insurance

      Available in NY, PA, TN & VA Personal Insurance AUTO Including cars, trucks and collector cars. First time drivers, DWI and accidents are accepted! Request Quote WEDDING/EVENTS Weddings, Anniversaries, Birthday parties, retirements and much more Request Quote HOME & MORE Homeowners, Landlord Policies, Renters and Condos. Specializng in First-Time buyers Request Quote UMBRELLA Protect your assets with an extended umbrella policy over your home and auto Request Quote TOYS Motorcycles, Boats, ATVs, RVs and just about anything else you can have fun riding Request Quote COLLECTIONS Jewelry, Watches, Furs, Artwork and Gun Owner Riders available to protect your special items Request Quote Prefer a sitdown? Book a virtual appointment. We're available via Zoom meeting Monday - Friday 10AM to 3PM Book Now

    • Encompass Agency | Insurance in NY, PA, TN & VA

      Insurance from Buffalo, built just for you. ™ Local | Toll Free 716-835-6790 800-484-9712 Monday - Friday 9AM to 4PM Closed all bank and major holidays Insurance in New York Pennsylvania Tennessee & Virginia Request Your Quote Online I need quotes on Auto Insurance Property Insurance Boat / RV / ATV / Snowmobile Umbrella Insurance Jewelry, Gun & Artwork Riders Wedding or Event Insurance Business General Liability Commercial Property Worker's Comp & Disability Commercial Auto Specialty Business (Cyber, E&O, EPLI) arrow&v Next Auto Insurance Personal Auto Commercial Auto Classic Car Motorcyle Request Quote Other Personal Life Insurance Wedding Insurance Jewelry & Fine Arts Firearms Request Quote Homeowners Homeowners Landlord Properties Renters Secondary Homes Request Quote Small Business Worker's Compensation Disability Business Owners Policies Property & General Liability Request Quote Recreational Vehicles RV Boat/PWC Trailers ATV/Snowmobile Request Quote Specialty Business Bonding Errors & Omissions Cyber & Media Liability EPLI (Harassment) Request Quote Expect more from your agent. More than 15 carriers represented to find you the right coverage 1,400+ satisfied customers in the past 5 years Average annualized savings of $400 per customer Online, In-Person and Facebook Messenger quote and service options Insurance from Buffalo, built just for you .

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© 2015 to 2020 Encompass Agency, Inc.

A licensed insurance broker in New York
A licensed insurance agent in Pennsylvania 
A licensed insurance agent in Tennessee 


576 Walck Rd., North Tonawanda NY 14120

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