Do You Need Auto Insurance in New York?

Posted on January 30, 2026January 13, 2026 by admin

New York is a no-fault state, meaning that both people have to pay for their own damages. However, that doesn’t mean you can get away with not having auto insurance in Scotia, NY. In fact, the state actually has higher standards than some at-fault states.

Coverage Limits

Policies are legally required before you take any vehicle on the road. Every driver must have certain minimum amounts of the following coverages:

Property damage liability
Bodily injury liability
Uninsured motorist coverage
Personal Injury Protection (PIP)

These requirements are designed to protect you and others in the event of an accident.

Often, you’ll speak with your policy provider to handle medical expenses and lost wages. However, drivers can still sue the other person if their PIP doesn’t provide enough coverage for damages. These limits are the minimum required by law, but you can work with Rowledge & Falvo Insurance Agency to obtain higher coverage limits.

What If You Don’t Have a Policy?

Getting caught without proper coverage in Scotia, NY can have devastating consequences. You’ll be responsible for the financial aspect of the accident, such as your own lost wages and medical bills. This can cause extreme financial hardship if you don’t have ample savings to cover the damages.

There are several legal consequences as well. You may face fines and reinstatement fees. The state can also revoke your license, leaving you stuck in a vicious cycle of driving without a license and then getting caught. This cycle ultimately leads many people to jail.

Rowledge & Falvo Insurance Agency agents will work with you to secure a policy that meets your needs. Contact us today to learn more.

What Comprehensive Auto Coverage Actually Protects Against

Posted on December 31, 2025December 8, 2025 by admin

Most drivers in Scotia, NY, understand the need for liability auto insurance, but comprehensive auto coverage is often overlooked or misunderstood. Many people assume it’s just an expensive add-on, but comprehensive coverage from Rowledge & Falvo Insurance Agency actually protects against some of the most common and costly vehicle damages that can happen when you’re not even driving.

Protection Against Natural Disasters and Weather

Comprehensive coverage handles damage from Mother Nature’s worst moments. This includes hail damage that can dent your entire vehicle in minutes, flooding that can total your car, and wind damage from severe storms. It also covers damage from falling trees, whether during a storm or just from an old tree finally giving way. Without comprehensive coverage, you’d pay for all these repairs yourself, which can quickly add up to thousands of dollars.

Theft and Vandalism Coverage

Your vehicle faces risks even when it’s parked safely. Comprehensive coverage protects against theft of your entire vehicle or just parts of it, like catalytic converters or expensive wheels. It also covers vandalism, whether someone keys your car, breaks windows, or causes other malicious damage. Even something as simple as a shopping cart rolling into your car in a parking lot falls under comprehensive coverage.

Animal Collisions and Other Unexpected Events

Hitting a deer or other wildlife is surprisingly common, and the damage can be extensive. Comprehensive coverage handles these animal collisions, along with other unexpected events like fire damage or even riots. It’s essentially your protection against everything that’s not a collision with another vehicle or a stationary object while driving.

For complete protection of your vehicle, contact Rowledge & Falvo Insurance Agency, serving Scotia, NY and the surrounding area, to add comprehensive coverage to your auto policy today.

What’s the Difference Between Comprehensive Auto Insurance and Full Coverage Auto?

Posted on July 31, 2025July 25, 2025 by admin

Shopping for auto insurance can feel overwhelming, especially with the variety of options available. Did you know there are different types of auto insurance? Understanding these options can help you choose the right coverage for your vehicle.

That’s why many people turn to Rowledge & Falvo Insurance Agency, servicing Scotia, NY, for their auto insurance needs. Our experienced agents take the time to explain each policy, ensuring our customers find the best insurance coverage for their specific needs.

What Is Comprehensive Auto Coverage?

Comprehensive auto insurance covers non-collision-related events. For instance, if your car is stolen, comprehensive coverage will pay to replace your vehicle. Similarly, if your car is damaged in a fire, comprehensive insurance will cover the repair costs or replace the vehicle if it’s deemed a total loss.

What Is Full Coverage Auto Insurance?

Full coverage auto insurance is a combination of several types of insurance, including comprehensive, collision, and liability coverage. This type of insurance provides the broadest protection for your vehicle.

For example, if you’re involved in a car accident, full coverage insurance will pay to repair or replace your car, regardless of who is at fault. It also covers vehicle replacement if your car is stolen and pays for damages to the other driver’s vehicle if you’re responsible for the accident.

Ready to Get Car Insurance? Contact Us Today

Unsure which type of car insurance is best for your vehicle? The professionals at Rowledge & Falvo Insurance Agency, servicing Scotia, NY, are here to help. We work with multiple carriers and can help you find the best insurance policy for your needs. Contact us today to get started.

Are Your Tires Covered By Your Auto Insurance Policy?

Posted on February 28, 2025February 26, 2025 by admin

Experiencing a flat tire can be incredibly frustrating. Whether it’s due to a nail on the road, a blowout while driving, or even vandalism, tire damage can occur when you least expect it. But does your auto insurance cover the cost of repairing or replacing your tires? At Rowledge & Falvo Insurance Agency, proudly providing auto insurance to individuals in and around Scotia, NY, we aim to help you understand how your coverage applies to tire damage so you’re not caught off guard.

When Auto Insurance Covers Tire Damage

In some instances, your auto insurance policy may help pay for tire repairs or replacements, but it depends on what caused the damage. If your tires are damaged due to an accident covered under your collision insurance, the cost of replacing them may be included in your claim. Similarly, if your tires are slashed or stolen, comprehensive coverage could step in to help.

When You’re Likely Paying Out of Pocket

Unfortunately, auto insurance does not cover normal wear and tear. If your tires wear out over time or develop a slow leak, that’s considered routine maintenance, and you’ll be responsible for replacing them. Even if you hit a pothole and damage your tires, your policy may not cover it unless your vehicle sustains additional damage that qualifies under collision coverage.

Understanding Your Options

Knowing what your policy includes can save you from unexpected expenses. If you’re unsure about your coverage, Rowledge & Falvo Insurance Agency, serving the region in and around Scotia, NY, is here to help. Contact us today to review your auto insurance policy and ensure you have the protection you need.

Auto Insurance: Protection for What You Can’t See Coming

Posted on September 30, 2024September 30, 2024 by admin

Even though there are numerous driving strategies and rules to enhance safety, it is impossible to mitigate every potential accident completely. Often, the primary risk on the road is other drivers, while other times, it might not be. Auto insurance is the solution to the known and unknown risks on the road. Therefore, many drivers in Scotia, NY depend on the reliable and helpful team at Rowledge & Falvo Insurance Agency for all their auto insurance requirements.

Auto Insurance: Protection for What You Can and Can’t See Coming

Several apparent driving hazards can be foreseen, and sometimes even, like the inclement weather, we can predict them in advance. However, brake failures, tire blowouts, and unexpected road debris are just a few of the many risks that remain hidden and could only be a moment away. Fortunately, auto insurance is designed to protect drivers from obvious and discreet potential threats on the road. Collaborating with a knowledgeable and experienced agent can guide you in evaluating your driving requirements and assist you in finding the auto insurance coverage you need and deserve, no matter where you drive.

Auto Insurance Solutions for Scotia, NY Drivers

Do you reside in the larger Scotia, NY area? Are you seeking more information about auto insurance, or do you require coverage for your vehicle? We can help. At Rowledge & Falvo Insurance Agency, our proficient and amiable team is here to assist you with all your auto insurance queries and provide the protection you need and deserve every time you take to the road. Contact us to learn more and schedule an appointment for auto insurance solutions today.

Four things you should never assume about auto insurance

Posted on November 17, 2023November 28, 2023 by admin

If you own a vehicle in Scotia, NY, you’ll need to purchase an auto insurance policy. We provide auto insurance coverage to area consumers at Rowledge & Falvo Insurance Agency.

Unfortunately, motorists sometimes make inaccurate assumptions about auto insurance.

Here are four things that you should never assume about auto insurance coverage:

You only need minimum coverage.

Investing in more than minimum coverage is always advisable. Simply having enough liability coverage to meet legal requirements in New York doesn’t necessarily mean that your assets are adequately protected.

It’s best if you’re carrying enough liability coverage to cover the full value of your assets to avoid financial loss as a result of a bad accident.

You can use your personal auto insurance policy when you’re driving for commercial activities.

A personal auto insurance policy is only in effect when you drive your vehicle for personal reasons. If you drive your vehicle regularly to carry out commercial tasks, you need to have commercial auto insurance coverage.

All auto insurance policies include rental vehicle coverage.

Rental vehicle coverage is a convenient feature of many auto insurance policies that pays for the policyholder to rent a vehicle when his or her vehicle is in the shop for repairs after an accident.

If you want to have rental vehicle coverage on your auto insurance policy, be sure to read the fine print. While many auto insurance providers include this feature in standard policies, others don’t. Some insurance providers may require you to add rental vehicle coverage onto a standard policy to enjoy this type of coverage.

All auto insurance providers are the same.

Some auto insurance providers are better than others. Be sure to do your research and find a reliable auto insurance company with a reputation for satisfying its customers.

Have Questions? Consult With Us

Get a quote on an auto insurance policy by getting in touch with Rowledge & Falvo Insurance Agency. We’re here to meet the insurance needs of consumers in Scotia, NY.

My wife and I have been with Falvo agency for over 30 years and could not be more satisfied with the help we received after not only being a few auto accident’s but also a house fire and the collapse of our pool. For each case Frank Falvo , Patty and the rest of his team were so fast and efficient to help resolve these issues. This is a highly recommended insurance agency for anyone looking.

Joe Miller

I've been with Falvo and now Rowledge for over 25 years. So many companies have tried to convince me to switch. I just can't do it NOT even for a lower rate. They are simply the BEST!!!! The have been so GOOD to me over those 25 years, and they are truly appreciated.

Joseph Skinner

I am 27 years old, and just about to move to New York. This is my first time looking for my own insurance policy. Sharon Piazza was truly incredible. She was so nice and helped me every step of the way. She responded very quickly and I had no issues. She definitely got me the best rate available and I’m very happy with what I have. I highly recommend.

Mikey Medina

My husband and I have used Rowledge and Falvo for all our insurance needs and I recommend them without reservation. Sharon has been incredibly considerate and responsive, and she has taken the time to explain policies and find us the best options. She goes out of her way to help make things easier for us and she is always patient and informed. We just transitioned from renting to buying our first home and Sharon walked us through the entire process with her calm and encouraging presence. We are grateful and couldn't recommend Sharon and her team more highly!

Josey Brady

My wife and I utilize Rowledge & Falvo for both our auto and homeowners insurance. Ben and the rest of the team consistently go above and beyond what I would ever expect out of any insurance agency. This includes proactively finding us the best rates, working hand in hand with us throughout the stressful home buying process, and consistently working after hours when we have questions. Ben was an incredibly calming and reassuring presence when we bought our first home, and he even managed to find a number of mistakes that our mortgage company was making that ended up saving us a significant amount of money. Even though we are likely small clients for them, Ben and the rest of his fantastic team routinely makes us feel like we are the company's top priority.

Eric DeWitt

I would highly recommend the Rowledge & Falvo Agency to anyone looking for a quality insurance agency. Ben, Bruce and their staff are conscientious, courteous and professional at all times. We recently had a large claim when our vehicle was badly damaged by a falling tree. Ben immediately took charge and had the insurance adjuster reviewing the claim the same day. All went smoothly and our vehicle was restored to like new condition with zero issues. No doubt it was the Rowledge & Falvo Agency that made an unfortunate situation bearable. Thank you to Ben and staff for all that you do for your clients. Best of luck!

John Falvo

I have been using Rowledge for business and personal insurance (home, car, etc) for years now & would not even consider switching to anybody else regardless of cost. Their responsiveness & professionalism to multiple issues has proved invaluable to me personally. Their actions show how they truly care about their clients which is a rarity in these times. Highly recommended in my book.

Newest Lunch

I have had my car and home insurance through the Rowledge & Falvo Agency for the past six years and I could not be more pleased with the quality of service they provide. Aside from the excellent rates, which were lower than I was paying previously at a large insurer for the same coverage, the personal level of service is unparalleled. After recently experiencing a significant amount of home water damage, I cannot express how helpful this agency was guiding me through the entire claims process. From recommending a restoration company, to explaining in detail the necessary steps I needed to follow; to offering advice and even brokering conversations with claims agents, this agency did it all. Some of it even well outside normal business hours. We cannot thank them enough and highly recommend them to anyone needing insurance!

Daniel DeWitt

Ben has helped me with quality advice on both my car and homeowner's insurance plans and selected coverage that gets me the best value and service to meet my specific needs. They are very thorough, and are regularly checking up on my needs and often present me with newly available options to improve my service level while potentially lowering my out of pocket expenses.

When a pipe in my house sprung a leak, I was on the phone with them (over the weekend), and they walked me through every step from damage control, to getting an adjuster, to sending out an adjuster to assess, and lastly having the right professionals do the restoration.

Highly recommend!

Tom Durocher

We have been a clients of Rowledge Agency for about 10 years. They have always gone above and beyond to take care of inquiries or "issues" that may arise, no matter how big or small they might be. The staff is extremely helpful, friendly and knowledgeable. I highly recommend them for your insurance needs.

Sharon Sitts

Rowledge & Falvo Insurance Agency

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Category: Auto Insurance