Auto Insurance Common Questions

Solution to most of our Customer Auto related Question.

Why do New York Car Insurance Carriers Raise my Rates?
There are many reasons why your insurance rates might go up. However, many of these reasons are not clearly explained when you purchase the policy. This mean...
Mon, 28 Jan, 2013 at 1:33 PM
What can occur if I cancel my liability insurance?
The insurance company must notify the DMV if you cancel your liability insurance. The DMV will then send you a letter about your insurance and you will have ...
Mon, 28 Jan, 2013 at 1:33 PM
What action does the DMV take if I do not have insurance and I do not surrender my vehicle plates immediately?
If you do not have insurance coverage and you do not surrender your vehicle plates to the DMV, your registration and driver license are suspended indefinitel...
Mon, 28 Jan, 2013 at 1:33 PM
What is the difference between "cancellation" and "non-renewal" of a policy?
Under the Insurance Law, a personal automobile insurance policy must remain in effect for a required one year policy period. If an insurer decides not to ren...
Mon, 28 Jan, 2013 at 1:33 PM
My policy has been canceled! Can the company do this?
For any new personal automobile insurance policy, an insurer may cancel for any reason within the first 60 days subject to the insurer’s establishe...
Mon, 28 Jan, 2013 at 1:33 PM
Are my auto insurance rates affected by where I live?
Insurance rates are based upon the company's underlying costs, which include the number of claims and the severity of those claims. New York State is di...
Mon, 28 Jan, 2013 at 1:33 PM
What discounts can I get on my car insurance?
There are a number of available discounts to help reduce the cost of an individual's auto insurance policy. Some of these are:Accident prevention course...
Mon, 28 Jan, 2013 at 1:33 PM
Can my insurance company raise my premium due to an accident or traffic ticket?
Such an increase is known as a surcharge. Surcharges are based on the fact that a driver who has previously been at fault in one or more accidents, or has a ...
Mon, 28 Jan, 2013 at 1:33 PM
Why are auto insurance rates higher for younger drivers?
Insurance rates are based on the average experience of a group of persons with similar characteristics (classification). Young drivers historically have had ...
Mon, 28 Jan, 2013 at 1:33 PM
Is my insurance company allowed to automatically include my son/daughter on my policy?
An insurer is permitted to consider all resident operators of an insured vehicle in the rating of an automobile policy, including a child, although he/she ma...
Mon, 28 Jan, 2013 at 1:33 PM