NATIONAL: The winter weather is taking it's last stand in Buffalo, NY and across the Northeast, low temperatures and piles of snow are covering the roads and walks. But could that be the least of your worries? During a State of Emergency or Travel Ban or Travel Advisory: No Unnecessary Travel if you get into an accident are you going to be covered by your insurance agency?
In general, a State of Emergency, is a disaster declaration on the statewide level and allows for specific powers; movement of equipment form one government agency or locality to another, mutual aid, application for disaster relief, but it also communicates to the public that there is risk and danger.
In general a Travel Ban is just that. No unnecessary travel is allowed, usually this is the only form of travel ban or advisory that employers respect and will not penalize employees for not reporting to work.
During the wild winter storm punctuated by the "Wall of Snow" in South Buffalo, NY many small business owners were fortunate enough to apply for and receive aid through the Small Business Administration, while State representatives did not push for the same form of aid either through unemployment assistance or separate declaration for individuals. Local radio station talk show hosts were merciless in their grilling of call center employees in South Buffalo who make between 8 and 10 dollars an hour sayiong that the employees should have saved more money. How do you save money when you have to pay rent and utilities? We don't all have contracts.
As far as automobile insurance and the coverage you may or may not have during a weather event, you most likely do not have any. You know that there is risk, you have been warned by authorities not to drive, and you choose to do so anyway. I did speak with three licensed insurance agents and none of them could give a straight answer to the question, " If I were covered with your agenc, during a travel ban, or travel advisory, or no unnecessary travel, would I be covered if there was an accident? The most common answer was "There are to many factors involved." " The question is too hypothetical." To which I replied, you drove to work today, right? and did you consider that drive in hypothetical? If I drove through that and was insured by your company and got in an accident would I be covered? Once, the line went dead, the second agent gave me the equivlent of a verbal shrug, and the third said, he wouldn't be able to answer.
In general, a State of Emergency, is a disaster declaration on the statewide level and allows for specific powers; movement of equipment form one government agency or locality to another, mutual aid, application for disaster relief, but it also communicates to the public that there is risk and danger.
In general a Travel Ban is just that. No unnecessary travel is allowed, usually this is the only form of travel ban or advisory that employers respect and will not penalize employees for not reporting to work.
During the wild winter storm punctuated by the "Wall of Snow" in South Buffalo, NY many small business owners were fortunate enough to apply for and receive aid through the Small Business Administration, while State representatives did not push for the same form of aid either through unemployment assistance or separate declaration for individuals. Local radio station talk show hosts were merciless in their grilling of call center employees in South Buffalo who make between 8 and 10 dollars an hour sayiong that the employees should have saved more money. How do you save money when you have to pay rent and utilities? We don't all have contracts.
As far as automobile insurance and the coverage you may or may not have during a weather event, you most likely do not have any. You know that there is risk, you have been warned by authorities not to drive, and you choose to do so anyway. I did speak with three licensed insurance agents and none of them could give a straight answer to the question, " If I were covered with your agenc, during a travel ban, or travel advisory, or no unnecessary travel, would I be covered if there was an accident? The most common answer was "There are to many factors involved." " The question is too hypothetical." To which I replied, you drove to work today, right? and did you consider that drive in hypothetical? If I drove through that and was insured by your company and got in an accident would I be covered? Once, the line went dead, the second agent gave me the equivlent of a verbal shrug, and the third said, he wouldn't be able to answer.
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