Driving History

If I have an accident in my parent's car, will the accident be on my record or my parent's record?

Thanks for the question. Different claims departments file such claims differently.

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Driving History

My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.

Car Insurance Costs

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.

General Insurance

Does moving from one insurance company to another raise your insurance premium?

Switching insurance companies won't necessarily raise your rates as long as it doesn't result in a lapse in coverage. Accidents and violations can stay on your record for up to five years, so your past infractions from six years ago should not affect your rates.

Eligibility

Why does a $0 claim stay on my insurance record?

Since you reported the accident to the insurance company they have to report it on your driving history. The amount paid out will show $0.00 but it still has to be listed since it was reported.

General Insurance

What can I do about fixing incorrect information on my driving record?

It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.

Car Insurance Costs

How do I get my daughter's accidents off of my record so they don't impact my rate?

You would need to get a separate policy that does not include your daughter for her previous claims to no longer impact your rate. However, if you are the one who filed the claims for her accidents then those are likely on your record rather than hers.

Coverage & Claims
Eligibility

How do I get insurance with a medical claim on my driving record?

It can be tough to find insurance coverage in New York state after you have been injured in an accident, even if it wasn't your fault. Your best bet is to compare rates with as many companies as possible to find a company willing to insure you.
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