BNZ Insurance Group
188 Summerfield Street, 2nd, Floor, Scarsdale, NY 10583
View this agency's profile to learn more about their services.
Loading...
City directory
Scarsdale households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
188 Summerfield Street, 2nd, Floor, Scarsdale, NY 10583
View this agency's profile to learn more about their services.
700 White Plains Rd, Ste 322, Scarsdale, NY 10583
View this agency's profile to learn more about their services.
23 Kent Rd, Scarsdale, NY 10583
View this agency's profile to learn more about their services.
676A White Plains Rd, Scarsdale, NY 10583
View this agency's profile to learn more about their services.
118 Brook Street 2nd, Floor, Scarsdale, NY 10583
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Scarsdale residents.
New York requires 25/50/10 liability coverage ($25,000 bodily injury per person, $50,000 per accident, $10,000 property damage), plus $50,000 in Personal Injury Protection (PIP) and uninsured motorist coverage. However, these minimums are often insufficient for Scarsdale's higher-value vehicles and accident costs, so most experts recommend exceeding them significantly.
Under New York's no-fault system, your own insurance company pays for your medical expenses and lost wages after an accident, regardless of who caused it. Your mandatory PIP coverage provides up to $50,000 for medical bills, 80% of lost earnings (up to $2,000/month for three years), and related expenses. You can only sue the at-fault driver for pain and suffering if you meet the state's serious injury threshold.
Scarsdale's higher insurance rates reflect several factors: higher average vehicle values (more luxury cars mean higher replacement costs), challenging roadways like the Bronx River Parkway with its historic curves and narrow lanes, elevated collision frequency during winter storms, and Westchester County's overall congestion. These factors increase insurers' expected payouts, which translates to higher premiums for drivers.
Driving without proper insurance in New York carries severe penalties. The DMV can suspend your driver's license, revoke your vehicle registration, and impose fines up to $1,500. Additionally, you'll likely face increased insurance costs when you do get coverage again, as insurers view a lapse in coverage as high-risk behavior.
Yes, especially in Scarsdale. The basic $50,000 PIP coverage can be exhausted quickly with serious injuries. New York offers Additional Personal Injury Protection (APIP) to increase your total benefits and Optional Basic Economic Loss (OBEL) which adds another $25,000 of coverage. Given the higher costs of medical care and the higher-risk driving conditions in Westchester County, additional PIP coverage provides important financial protection.
Start by comparison shopping among multiple insurers, as rates vary significantly. Ask about discounts for bundling policies, maintaining a clean driving record, completing defensive driving courses, installing anti-theft devices, or insuring multiple vehicles. Consider raising your deductibles if you have emergency savings, and review your coverage annually to ensure you're not paying for unnecessary add-ons while maintaining adequate protection.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network