Accidents happen, and hitting a parked car is one of those moments that can leave you feeling stressed and unsure of what to do next. Whether it’s a tight parking lot or a narrow street in Haverstraw, knowing how to handle the situation and how your auto insurance can help is key. WOOT Insurance is here to guide Haverstraw drivers through the steps to take after hitting a parked car and explain how your coverage can protect you.

Steps to Take After Hitting a Parked Car

If you accidentally hit a parked car, it’s important to stay calm and follow these steps:

• Stop Immediately: Never leave the scene of the accident, as doing so could result in legal consequences.
• Try to Locate the Owner: If the owner is nearby, let them know what happened and exchange contact and insurance information.
• Leave a Note: If you can’t find the owner, leave a note with your name, phone number, and a brief explanation of the incident. Place it securely on the windshield.
• Document the Damage: Take photos of the damage to both vehicles and write down details about the location and time of the accident.
• Contact Your Insurance Provider: Notify your insurance company as soon as possible to start the claims process.

How Auto Insurance Covers You

Hitting a parked car is typically covered under your liability insurance, which pays for the damage to the other vehicle. If your own car is damaged, collision coverage can help cover the cost of repairs. It’s important to review your policy to ensure you have adequate coverage for these types of incidents.

Why Liability Insurance Is Essential

In New York, liability insurance is required by law and protects you if you’re at fault in an accident. Without it, you could be responsible for paying out of pocket for damages, which can be costly. WOOT Insurance offers policies that meet New York’s requirements and provide peace of mind for Haverstraw drivers.

Protect Yourself with the Right Coverage

Accidents like hitting a parked car can happen to anyone, but having the right auto insurance makes all the difference. WOOT Insurance is proud to serve Haverstraw and the surrounding community, offering coverage options that keep you protected. Visit WOOT Insurance today to learn more about liability and collision coverage for your vehicle.

Driving along the Hudson River is a daily routine for many Haverstraw residents, but the beauty of the river comes with its own set of challenges. One of the most common—and potentially dangerous—conditions drivers face is dense fog. Whether it’s early morning commutes or evening drives, fog can reduce visibility and increase the risk of accidents. WOOT Insurance is here to help Haverstraw drivers stay safe and insured when navigating these tricky conditions.

Why Fog Is a Common Hazard Near the Hudson River

The Hudson River’s proximity to Haverstraw creates the perfect environment for fog formation, especially during seasonal transitions in spring and fall. The combination of cool air over the warm river water often leads to dense fog that blankets the area. This can make it difficult for drivers to see other vehicles, pedestrians, or even road signs, increasing the likelihood of accidents.

For drivers in Haverstraw, understanding how to handle foggy conditions is essential. But equally important is having the right auto insurance coverage to protect you in case of an accident caused by low visibility.

Tips for Driving Safely in Foggy Conditions

While fog can be unpredictable, there are steps you can take to reduce risks when driving near the Hudson River:

• Use Low-Beam Headlights: High beams can reflect off the fog and reduce visibility even further. Stick to low beams or fog lights to improve your view of the road.
• Slow Down: Reduced visibility means you have less time to react to obstacles. Driving at a slower speed can help you stay in control.
• Increase Following Distance: Leave extra space between your car and the vehicle ahead to avoid rear-end collisions.
• Stay in Your Lane: Fog can make it difficult to see lane markings. Use the road’s edge or centerline as a guide to stay on track.

Even with these precautions, accidents can still happen. That’s why having collision coverage is so important for Haverstraw drivers.

How Auto Insurance Can Protect You in Foggy Conditions

Low visibility increases the likelihood of accidents, from minor fender benders to more serious collisions. Collision coverage can help pay for repairs to your vehicle if you’re involved in an accident caused by foggy conditions. Additionally, comprehensive coverage can protect you from non-collision incidents, such as damage caused by debris or wildlife that may be harder to spot in the fog.

WOOT Insurance can help you review your policy to ensure you have the coverage you need for driving in challenging conditions like fog.

Local Roads That Require Extra Caution

Haverstraw drivers know that certain roads are more prone to fog than others. Routes along the Hudson River, such as Route 9W, often experience dense fog during early mornings and evenings. Additionally, areas near the Haverstraw Marina and Bowline Point Park can be particularly tricky to navigate when visibility is low.

If you frequently drive these routes, it’s worth considering additional coverage options, such as roadside assistance, to ensure you’re prepared for unexpected situations.

Stay Protected with WOOT Insurance

Foggy conditions are a part of life for Haverstraw drivers, but they don’t have to be a source of stress. With the right auto insurance coverage, you can drive confidently, knowing you’re protected from the risks of low visibility. WOOT Insurance is committed to helping local drivers find policies that fit their needs, whether it’s collision coverage, comprehensive protection, or roadside assistance.

Don’t wait until the next foggy morning to review your policy. Contact WOOT Insurance today to ensure you’re ready for whatever the Hudson River brings your way.