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New York Auto Insurance

Learn more about new york auto insurance.

Q: How to compare rates in choosing the best New York Auto Insurance?
There are some that offering high rates and some with low rates, which should i choose? and where can i save more money?

A: You need to sit down with a local agent. They can show you how to save MORE money, explain coverages, and help you compare policies.

Hint: One way to save on your auto insurance, is to buy renters coverage with the same company.

Q: Where can I take a class for getting a new york auto insurance license?
does anyone know anything about online classes for p&c license? btw, i really appreciate all of you spending your quality time to answer my questions!

A: http://www.ins.state.ny.us/lic-pc1.htm

Your local www.iiaa.org office is the best source. You can do in person classes there, or online self study courses.

Q: New York State Auto Insurance Collision, needed for financed car?
Does New York State’s Auto-Insurance laws require financed cars to have collision on them?

A: Yes. Even if they didn’t the finance company would require it. In NY, you need a $500 deductible or lower.

Q: Can a New York auto insurance company (Allstate) turn my cars title into a salvaged title?
Allstate decided my car was totaled and told me they were not doing anything to the title because the car is more than seven years old. I have heard others say this as well. However, I have been arguing with Allstate about their offer, since they are only offering me 50% for an accident I did not cause, and wish to file a complaint with the New York State Insurance Department.

I wish to get enough money to repair the car myself, which means I need the title to be clean. I am afraid that if I complain to the insurance department, Allstate will give me more money but turn the title into a salvaged title out of spite. This will cause problems trying to re register the car.

Does Allstate have the legal ability to salvage the title even though the car is more than seven years old? Do you think they would do that if I pursued my options to try and get more than 50%?
Allstate is the other drivers insurance company. My insurance company found me 0% at fault.

I am going by the prices Allstate gave me – they priced it based on similar vehicles in the area. They wish to give me 50% of that value. I’ve heard stories from other people about Allstate trying to screw them in similar situations and all they did was make a complaint, and they got the full amount in days.

Allstate already told me that I get rid (or keep) the car. Should I assume that this means they won’t do anything to the title whether I go after more money (make a complaint) or not?

A: Salvage Branding of New York State Registered Vehicles

DMV Commissioner’s Regulations require the DMV to mark or “brand” a title certificate if:
-a vehicle is eight model years old or newer, and
-the owner indicated that the vehicle was destroyed or received damage of 75% or more of the retail value of the vehicle at the time the damage occurred.
The owner must mark the box next to the statement on the back of the title certificate to certify the damage. The statement appears on NYS title certificates that display a print date of “12/94″ or later. If the title certificate displays a print date earlier than “12/94″, the owner must complete form MV-103 (Odometer and Damage Disclosure Statement) and mark the box in the section labeled “Damage Disclosure Statement”.
If you fail to disclose damage, you can pay a maximum fine of $2000, and any additional penalties according to the NYS Penal Law.

The DMV must examine the vehicle. If the DMV issues a title certificate, the certificate receives a brand that displays: “REBUILT SALVAGE:NY”. Get more information about the Salvage Vehicle Examination Program.

When form MV-907A (Salvage Certificate) is the proof of ownership for a vehicle, the applicant must apply for a title certificate only (see above). The title certificate will display “REBUILT SALVAGE:NY”.

http://www.nysdmv.com/salvage.htm

Per the DMV website it indicates a vehicle 8 years old or newer, also with the damage at 75% or more the retail value of the car.

Allstate is offering you 50% of what??? The estimated cost of the damages, replacement cost, the retail value of your car (or book value), or ACV/ fair market value?

I would not take settlement until you have come to an agreement with Allstate. Try to look up on www.NADA.com what the Actual cash value or fair market value would be. This should get you pretty close to what the insurance company should pay if it is a total loss. It won’t be exact, but a guesstimate.

Good Luck!

EDIT:
It sounds like Allstate only wants to offer 50% b/c they feel that their insured is only 1/2 liable for the accident. But your insurance company feels you are not liable at all.
I would go after Allstate full force!!! Take these steps:
Call Allstate again and find out if they have accepted FULL liability for their insured… if so, why are they only offering 50%? If you don’t get anywhere with that call, ask to talk to a supervisor. If you are not getting anywhere with the supervisor, let the supervisor know that you will be turing them into the Insurance commissioner for unfair claims handling…. see if that helps. If not…. follow through and report them!! Don’t just make the threat w/o following through with your actions. Here’s a link for NY insurance commissioner:

http://www.ins.state.ny.us/complhow.htm

Q: Where can I see a list of New York State auto insurance companies with their 3 digit ID?

A: I believe you can find this information on your state’s insurance site. www.insurance.ny.gov or something similar to that.
Since insurance is state governed- you should be able to get help via this site.
Hope this helps.

Q: Question about New York Insurance Liability Guidelines -Auto Accident?
I was wondering where I can find the way to look up the Liability Guidelines for New York State. I was in a car accident that the other girl Failed to yield the right of way (she had stop sign and I didnt) so i want to know according to NYS law, what is the highest percentage of liability they can give me when I was clearly not at fault acording to the police report and wittness statements.

A: You can visit New York’s insurance website. However, the specific payout coverages will be based on your insurance coverage and provisions. Therefore, I recommend that you review your Insurance policy’s declaration page and attachments for that information. And, of course, you can also contact your agent or carrier but they will want to know why you are questioning the payout information.

Q: Do New York Traffic schools offers Auto Insurance discount?
Hi I am Jack from New York. I want to reduce my auto insurance premium. If I do New York Defensive Driving Course can I get any Auto Insurance benefits or not, help me?

A: Yes they do (Upon completion of this online course, New York drivers will receive a benefit of a 4-point reduction on their NY driving record and a 10% insurance discount on their New York auto insurance rates)……………..

http://www.myimprovnewyork.com/

Q: What is the cheapest auto insurance in new york city?
i want the cheapest minimal coverage for 1985 civic

A: Try this site

http://www.usainsurancequotes.net/

Here you can compare quotes from different companies

Q: In New York State is Auto Insurance required to drive when u have a learners permit?

A: Insurance is required for any vehicle, regardless of the age of the driver.

A motor vehicle registered in NYS must have liability insurance. Insurance coverage must be a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage caused by any one accident.

Q: In new york state auto insurance?
My daughter who is going to be 19, took a loan out to buy a car. She still lives with us ca we put her on our insurance

A: I recommend you this site where you can compare quotes so you can find the best option for you

http://qinsurance.notlong.com

Q: can a dealer force you to buy GAP insurance, Auto theft insurance in NEW YORK, saying it is bank requirement?
This is a bad credit situatio. Drive Financial is the bank. They say teh bank will acccept you only if you get all these extra coverages. Is this legal?

A: it is completely illegal to do this. The salesman knows he has you by the b///s. They may decide not to give you the loan if you dont buy the stufrf – so I guess I would just buy it but just so you know it is illegal to require this in order to obtain the loan. That I am sure of. In fact – the GAP contract will state the same thing oin the actual contract you recieve. I actually sell GAP insurance in every state except New yourk because it is so cheap to buy there (I think it should cost you about $100)

all of the aftermarket products that they sell you can be cancelled.

Q: What are the best auto insurance agencies for New York state?
Best and cheapest?

A: The real question would be which is best and cheapest for you with your circumstances. If there was one insurance company anyone could point to as absolute best and cheapest, the others would eventually go away.

What is best for me, and my circumstances, might be the highest for you.

Call an independent agent not connected with just one big company, give him your information, ZIP, type of vehicle, and what coverage you want, he will then look up your driving record and credit rating and the other things they rate you on, and suggest the best for YOU from his data base of available companies in your state.

Q: what is the best auto insurance co in new york?
Which one is the best bang for the buck? from personal experience it was AIG but now that they went under I dont know if their replacement is any better

A: autoinsurance.undonet.com – try this one. I personally have their car insurance, cause it is the cheapest for me in our area.

Q: what is the cheapest auto insurance in new york city?
i want the cheapest minimal coverage for 1985 civic

A: You need to shop around. They all calculate their rates differently so the best company for me might not be the best one for you.

Q: how much would short term auto insurance normally cost in new york?
say i have a bmw 530i
im single, 35 years old, male
and all my driver’s license records are clean

how much would it cost to insure the car for only one day?

A: Get on the phone and ask around, or do the comparison websites thing.

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