Skip to content
M&K Dignum Insurance Agency, Inc.

622 Loudon Road Suite 204
Latham, NY 12110

Get Direction

Request A Quote

Auto Drivers & Accident Forgiveness

At M&K Dignum Insurance Agency Inc., we’re committed to providing a safety net for those unexpected moments on the road in Albany, NY. That’s precisely why we introduced our Accident Forgiveness program – a feature tailored for the responsible drivers of New York.

Empathetic Approach to Accidents

Accident Forgiveness is more than just a policy feature; it reflects our empathetic approach to insurance. We understand that even the most cautious drivers can have a bad day. This program ensures that your first at-fault accident won’t lead to an increase in your premium rates. It’s our way of standing by you when you need it the most.

Eligibility Criteria

Most drivers with a clean driving record are eligible for this program. It’s our reward to you for your commitment to safe driving. Eligibility is generally based on your driving history, ensuring that responsible driving is acknowledged and rewarded.

The Importance of Accident Forgiveness

An accident can be a jarring experience, but facing increased insurance rates afterward can add to the distress. This program is designed to alleviate that financial worry, allowing you to focus on what matters most – getting back on track.

Seamless Policy Enhancement

Integrating Accident Forgiveness into your policy is seamless with M&K Dignum Insurance Agency Inc. Our team in Albany, NY is dedicated to making the process transparent and straightforward, ensuring your policy accurately reflects your lifestyle and needs.

At M&K Dignum Insurance Agency Inc., we’re not just insurers; we’re partners in your journey. We’re here to support and protect you as you navigate the roads of life.

Looking for comprehensive protection on the road?

Contact M&K Dignum Insurance Agency Inc. today. Let us help you drive with confidence and peace of mind in Albany, NY.


When an International Visitor Asks to Borrow Your Car

You may be aware that you can usually rent a car in another country using your U.S. driver’s license and additional paperwork, but what about an international visitor just asking to borrow your car? Perhaps your friend from over the border or across the world is visiting for a couple of weeks and staying at your home. You might decide to decline because you don’t know the implications of letting them drive your personal car with your insurance. After all, they don’t have U.S. insurance, so it’s different from a friend or neighbor from around town or even another state asking to use your vehicle.

You might also just decide to "risk it," with all the nightmares that evoke for insurance professionals who know what could be at stake.

We’re Here to Answer Cross-Border Questions

For our M&K Dignum Insurance Agency Inc. customers in Albany, NY, the question of international driving comes up more often because the Canadian border is not so far away. Similar questions arise these days for people visiting while attending a university, family and friends from overseas, or even people new to the community from other countries. 

International Driving Permits

According to the NY DMV, International Driving Permits are not required to drive here, even if you’re from another country besides Canada and Mexico, but they can be helpful. They provide information in English about your license that helps authorities in New York determine that you have a valid driver’s license. When traveling overseas, these easily obtained documents are sometimes required. For your specific situation, such as long-term stay, student or learner’s permit from another jurisdiction, or if you want to adjust your coverage, M&K Dignum Insurance Agency Inc. is ready to help you in Albany, NY!

Required Auto Insurance in New York

When you own a vehicle in New York, you’re required to get an auto insurance policy for it. You have to have this policy in place before you can register your vehicle. And if your coverage isn’t kept, your vehicle’s registration and even your driver’s license can be suspended by the DMV. Make sure that you have a policy for as long as you own your car or truck, and carry proof of the policy with you. When you’re in need of an auto policy, call us at M&K Dignum Insurance Agency Inc. in Albany, NY.

Required Coverage

There are different types of coverage in every auto insurance policy. Yours in New York must contain a total of five amounts of coverage for liability. The first is an amount for property damage liability. This pays for the damage to someone else’s property, such as their vehicle, in an accident that you caused. Then, there is an amount of bodily injury liability for one person and an amount for the death of one person in an accident. In addition, there is an amount for the bodily injury of two or more people and an amount for the death of all of the people killed in the accident. All of these amounts have strict minimums, but you can generally add to your liability coverage if you wish. 

Other Auto Coverage

You can also get non-required overage types in your policy. These include both comprehensive coverage and collision coverage. When you have comprehensive insurance, it offers protection against many of the risks your vehicle faces when you aren’t driving it. Collision insurance pays for the damage that happens to your car or truck when you’re in an accident that you caused. 

Get Auto Insurance Today

To get your auto insurance, call us at M&K Dignum Insurance Agency Inc. in Albany, NY. 

Auto Insurance Myths Debunked

Do you own a vehicle in Albany, NY? Insurance is a big factor for any motorist. Unfortunately, there are a lot of false statements out there. At M&K Dignum Insurance Agency Inc., we help our clients get what they need. Below are some common misconceptions about it debunked by our insurance experts. 

Common Auto Insurance Myths

The first biggest myth is thinking the color of your vehicle matters. It’s common to think that the color of your vehicle affects auto insurance rates. That has no effect on your premiums. Important factors include the age of the car, driving history, and sometimes your credit.

You have probably considered what coverage you need for your vehicle. You might think it’s reasonable only to carry only minimum liability insurance. That’s your personal choice. However, if you have an accident, you could be missing out on what you need to get help for the damages. Regarding your options for coverage, you have most likely heard of comprehensive insurance. You also can choose whether or not to add this to your policy. Many motorists think it’s unnecessary, but that could also be a mistake. It can protect you should there be unexpected damage from a fire, flooding, or if someone breaks into your vehicle.

Finally, another myth is thinking you don’t need to review your policy annually. It’s important to look at your auto insurance policy every year. As you undergo life changes, you may need to modify your coverage accordingly.  Some examples could include the need for more coverage or adding a teenager to your insurance.

Find Out More About Auto Insurance In Albany, NY

M&K Dignum Insurance Agency Inc. is your preferred insurance expert serving your area. Give us a call if you need to get a personalized estimate.

Insuring Your Exotic Vehicle

When you purchase an exotic vehicle like an Alfa Romeo or Porsche, you probably don’t think about the insurance considerations right off. At M&K Dignum Insurance Agency Inc. we want to help you understand the need for full coverage auto insurance for your exotic car or dream car.

Also called supercars, those snazzy Maseratis and Mercedes-Benzes you see around Albany, NY use regular auto insurance, but typically at the upper coverage limits. These vehicles cost $100,000 or more, so those purchasing them want to obtain a full replacement cost if something happens to them.

What does full coverage auto insurance include?

When you choose full coverage, your vehicle gets the protection of:

  • Bodily injury liability,
  • Property damage,
  • Comprehensive,
  • Collision.

You can also add roadside assistance coverage.

The top two policy types – liability and property damage – protect other drivers, passengers, and pedestrians. If you cause an accident, these coverages pay the other individuals involved who got hurt. This insurance the state requires you to carry.

Collision and comprehensive coverage protect you from financial loss relating to your own vehicle. While you’re not required to obtain this insurance, it makes sense to do so, especially when you’ve purchased a rare vehicle.

Levels of Replacement Value

Ask your insurance agent about the compensation coverage provided. The words you want to hear are full replacement value or actual replacement cost because that means you’ll obtain the actual amount it would cost for you to buy another vehicle. Anything else – any other wording – refers to depreciated cost. That would not pay for a new or replacement Alfa Romeo or Maserati, but the full replacement value would.

Contact Us Today

Drive the roads of Albany, NY with greater peace of mind with auto insurance from M&K Dignum Insurance Agency Inc. Contact us today for auto insurance coverage that protects your investment in your exotic dream car or supercar.

When do you need to have an auto insurance plan in Albany?

Most people in the Albany, NY area will want to have access to a car as it will make it much easier to get around the community. When you are looking to own a car here, it is important that you spend the time you need to assess your insurance needs for the vehicle.

There are various reasons why someone here should get auto coverage for their car. 

Comply with All Requirements

A very important reason to have auto coverage when you are here is to ensure you can comply with all requirements. Anyone that is going to take their car out on the road in New York will need to have auto coverage for liability insurance. Further, if you have taken out a loan, you will be required to carry a full comprehensive plan at all times. 

Cover Yourself and Car

Having an auto insurance plan is also a good idea as it can ensure you are able to cover yourself and your car. If you are going to purchase a car, you will want to know that your asset is protected and that you have support if you are found liable for an accident. With a full auto insurance policy, you will receive all of the coverage that you need. 

Contact Us Today

It continues to be very important that people in the Albany, NY area get the insurance they need to protect their vehicles. If you are going to buy a car in this area, calling the team with M&K Dignum Insurance Agency Inc. can be a great idea. The professionals with M&K Dignum Insurance Agency Inc. know the value of this coverage and will offer any support that you need to build your next auto insurance policy. 

Do I need auto insurance in New York?

People living in the Albany, NY area are going to find that being a car owner is a good idea as it can make your life much more efficient and convenient. While there are benefits that come with owning a car, you do need to make sure you have proper coverage for it.

There are different reasons why NY car owners need to have auto insurance:

You Need to Comply with Law

One of the reasons that someone here will need to carry this insurance is so they can comply with the law. New York drivers need to make sure that they meet all standards set by the state, which will typically include having liability coverage. If you do carry this insurance at all times, you can avoid penalization while also being protected against the risk of being named liable in an accident. 

You Want to Cover Your Vehicle

While it is important that you remain covered with insurance to be in good standing with the law, protecting your car is also beneficial. If you are able to invest in this insurance with comprehensive coverage, you will get support to replace or repair your car. This will be helpful if your car is damaged in an accident, stolen, or you incur another type of loss. 

Get Auto Insurance Today

If you are a resident of the Albany, NY area, you will want to own a car and ensure you have the proper coverage. There are a lot of choices you need to make when looking for support and the team with M&K Dignum Insurance Agency Inc. will help you build an ideal plan. M&K Dignum Insurance Agency Inc. provides you with ongoing support to ensure you know all of your options and needs as you build a new plan. 

Is It Time for an Auto Insurance Audit?

If you’ve had an auto insurance policy for a long period of time, you might want to consider reviewing it and making some changes. It’s easy to get a policy and just renew it as required, but that doesn’t necessarily mean it’s the best policy for you as your needs change.

If you’re in the Albany, NY area, reaching out to M&K Dignum Insurance Agency Inc. can help you get a great auto policy audit that will help you make adjustments to your coverage. 

Is It Time for an Auto Insurance Audit?

Adding a driver or changing vehicles are two very common reasons why someone would choose to update their policy. But you also want to make updates if you move, or if you have other significant changes in your life.

Reaching out to ask questions about your policy is a good idea anytime changes are made, and many people review their policies when they renew them, as well. Depending on your needs and personal situation, it might be possible for you to find a better policy that more accurately reflects your needs.

Working with a trusted insurance agent is the best way to be sure you’re finding a policy that gives you strong coverage and protects what matters. You can do that more easily by talking to an agent who can help you audit your current policy, discuss any potential coverage changes, and show you options that will help meet all your requirements.

Contact Us Today

Reach out to the M&K Dignum Insurance Agency Inc. if you’re in the Albany, NY area and interested in an auto insurance audit. Not only will that help you have more peace of mind, but it could give you additional coverage and protection that you don’t currently have.

Protecting yourself and others on the road is important, and we’re here to make it easier.

All You Need To Know About Auto Insurance

Auto insurance is the type of insurance that covers cars, motorcycles, trucks, and other road vehicles. If you are a car owner, and you live in the state of New York, you should know that auto insurance is mandatory, and driving without it is illegal. If you are currently shopping for auto insurance, here is what you need to know about it. 

What Should You Know About Auto Insurance?

  • There are certain factors that have an impact on the cost of auto insurance. These factors are the type and model of your car, your driving habits, demographic factors, deductibles you choose, your credit, and some others. 
  • There are ways to lower your auto insurance costs. One of them is to use discounts. To know whether you are eligible for any discounts, you need to talk to an insurance agent of insurance company and negotiate and costs of insurance. 
  • There is a difference between collision and comprehensive coverage. Many people do not know the difference between these two types of coverage. The difference is that comprehensive coverage provides protection against damage and theft, while collision coverage reimburses you from damage as a result of a collision. 

M&K Dignum Insurance Agency Inc. – Your Trustworthy Insurance Company In New York

Are you a car owner living and driving in the state of New York? Are you looking for a new insurance policy in Albany NY or any other nearby town? Then, contact M&K Dignum Insurance Agency Inc. which specializes in all types of insurance, including auto insurance as well Our knowledgeable insurance agents serving clients in Albany NY and other surrounding areas will help you find a perfect policy based on your insurance needs and preferences. Do not hesitate to visit our website for more information or give us a call. 

Our Partners:

  • Andover Insurance
  • Eastern Mutual
  • Hanover Insurance
  • Liberty Mutual
  • Main Street America
  • Nationwide
  • NYCM
  • Progressive
  • Security Mutual
  • The Hartford
  • Travelers