Saturday, January 28, 2023 11:49
Having bad credit can make shopping for car insurance more complicated in New York, but it does not prevent you from getting coverage. Many insurers use credit information when underwriting or pricing a new personal auto policy, while others may give it less weight or not use it at all. Read More…
Friday, January 13, 2023 20:10
After you pay off a vehicle loan in New York, the lienholder must provide proof that its security interest has been satisfied. This document is commonly called a lien release. You do not necessarily need to obtain a new title immediately after receiving the lien release. New York allows you Read More…
Wednesday, January 04, 2023 16:19
If you cancel a car insurance policy before the end of its term in New York, you may be entitled to a refund of unearned premium. However, the amount you receive is not always a simple day-for-day refund. Some insurers calculate customer-requested cancellations on a pro-rata basis, while others use Read More…
Monday, June 27, 2022 9:00
New York does not require drivers to buy what is commonly called full coverage car insurance. However, if you want insurance that helps pay for damage to your own vehicle after a crash, theft, vandalism, or other covered loss, you will generally need collision and comprehensive coverage in addition to Read More…
Monday, April 18, 2022 15:20
A speeding ticket can increase your car insurance premium in New York, but an increase is not automatic in every case. What matters is whether you are convicted, how far over the speed limit you were driving, your previous record, and your insurer’s approved merit-rating rules. New York’s insurance rules Read More…
Monday, April 11, 2022 14:23
Having your driver’s license suspended in New York does not automatically prevent you from owning a car or obtaining auto insurance. However, a suspension can make insurance more complicated. An insurer may decline a new application, charge more after your driving privileges are restored, or in some circumstances cancel an Read More…
Friday, April 01, 2022 15:01
Many young drivers have heard that car insurance suddenly gets much cheaper when they turn 25. Age does affect auto insurance rates in New York, but your 25th birthday does not trigger an automatic or guaranteed discount. Young drivers generally pay more because insurers have historically experienced more frequent or Read More…
Sunday, March 20, 2022 11:05
Car accident injuries can sometimes require weeks, months, or even longer periods of physical therapy, occupational therapy, psychiatric treatment, or other rehabilitation. In New York, these costs may be covered by auto insurance, but the coverage that pays them is usually No-Fault (Personal Injury Protection or PIP) rather than the Read More…
Tuesday, March 15, 2022 12:20
Adding custom wheels, an upgraded sound system, specialty paint, performance equipment, or other modifications can substantially increase what you have invested in your vehicle. The important question is whether your auto insurance will pay for those additions if the car is damaged or stolen. You do not automatically need a Read More…
Friday, October 22, 2021 11:49
A standard New York car insurance policy generally does not automatically pay for hotels, meals, or other travel expenses simply because a road trip is interrupted. However, some insurers offer optional trip interruption benefits through additional auto insurance coverage, an upgraded roadside assistance package, or a separate membership program. These Read More…