Monday, June 08, 2020 20:39
If you are trying to remove points from your New York driver’s license, there is an important distinction to understand: you generally cannot erase a traffic conviction or physically delete its points from your DMV record. However, completing a New York DMV-approved Point and Insurance Reduction Program (PIRP) course can Read More…
Friday, May 08, 2020 15:29
There is no set amount an auto insurance agent makes per policy. Agents are usually paid a commission from the insurer, a salary, bonuses, or some mix of these, and the commission on a car policy depends on the insurer, the agency’s contract, the premium, and whether the policy is Read More…
Tuesday, May 05, 2020 12:34
If you have been involved in a car accident in New York, the crash will generally remain on your standard New York DMV driving record for the rest of the calendar year in which it occurred, plus three additional years. For example, a crash that occurs at any point in Read More…
Tuesday, March 10, 2020 14:16
New York is a no-fault auto insurance state, but that does not mean fault is irrelevant after a car accident. No-fault insurance primarily affects how certain injury-related economic losses are paid. Fault can still determine who is responsible for vehicle and property damage, and it can affect whether an injured Read More…
Monday, March 09, 2020 17:34
You generally cannot legally drive in New York without a valid driver license or learner permit that covers the vehicle you are operating. The consequences depend heavily on why you are unlicensed. Driving after never obtaining a license is treated differently from driving while your license or New York driving Read More…
Saturday, March 07, 2020 20:29
Vehicle safety features can help lower the cost of car insurance in New York, but not every feature qualifies for a discount and the savings do not necessarily apply to your entire premium. New York requires insurers to provide certain discounts for qualifying vehicle equipment, while discounts for newer driver-assistance Read More…
Friday, March 06, 2020 16:59
Yes. If injuries from a car accident prevent you from working, New York car insurance can cover part of your lost wages. New York’s mandatory No-Fault insurance, also called Personal Injury Protection (PIP), generally pays 80% of eligible lost earnings, up to $2,000 per month for no more than three Read More…
Thursday, March 05, 2020 16:53
Sometimes it makes sense to pay for damage to your own car instead of asking your insurance company to reimburse you. This is most likely when the damage is minor, no one else was involved, and the repair cost is close to or below your collision or comprehensive deductible. However, Read More…
Wednesday, March 04, 2020 14:43
After a car accident in New York, you may need to notify the police, file a separate crash report with the New York State Department of Motor Vehicles (DMV), or both. These are two different reporting requirements, and confusing them can cause drivers to miss an important deadline. If anyone Read More…
Saturday, February 01, 2020 15:59
If you hit a pedestrian while driving in New York, stop immediately and treat the situation as an injury accident. Call 911 when someone is injured or may need medical attention, provide the required identifying and insurance information, notify your insurer promptly, and make sure any required accident reports are Read More…