General Insurance

Do rates include the discount offered for drivers who have taken the defensive driver course?

The quotes you see online do not reflect you and your wife taking defensive driving courses, since not every carrier gives a discount for completion of the course. You are more than welcome to call into our agency and speak to one of our Licensed Insurance Advisors to see what carriers we have that offer that discount.
Sep 17, 2021

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Most Recent

General Insurance

My girlfriend's insurance company’s underwriting department is threatening to cancel her policy. What can she do?

Most companies will allow you to do what is called an exclusion. She would need to call Progressive and tell them to formally remove you as a driver and sign off on that.
Jan 20, 2021 Glen Falls, NY

Coverage & Claims Homeowners Insurance

Should I file a claim to have a tree removed but not have the damage to the covered structure repaired?

Typically, an insurer would prefer to handle any and all damage incurred as to avoid any unnecessary future risks of property damage or bodily injury caused by the damaged structure. This is a claims-related question that would be uniquely handled by the claims department of your insurance provider.
Nov 18, 2020 Albany, NY

Coverage & Claims

Will insurance cover damage to the computer of a leased car?

I'm sorry to hear about the situation. Unless the damages were the result of vandalism or an accident, your insurance company will not get involved in the issue.
Jun 24, 2020 Ilion, NY

Coverage & Claims

Can another insurance company find out about my at-fault accident if I pay for my own damage?

Sorry to hear about the situation. There are a few things to think about here.
Mar 3, 2020 Port Jefferson, NY

Car Insurance Costs Coverage & Claims

How can an insurance company add an accident to your record that never happened?

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle.
Jan 31, 2020 Medford, NY

Eligibility

Do we need to add our nanny to our auto insurance?

I would strongly advise not letting your nanny drive your kids without insurance. If she were to get in an accident, no coverage would be in place and she would have to foot the bill for damages to all vehicles and potential injuries for your children.
Jan 22, 2020 Mount Kisco, NY

General Insurance

Do any US auto insurance companies offer auto insurance coverage in Canada?

Many insurance policies may cover you in Canada — if it is for short-term trips. I would check with your current carrier, but it is likely you'll need to select a Canadian insurance provider if you'll be living there for two years.
Jan 10, 2020 Buffalo, NY

Coverage & Claims

Must I list my children on my policy if they have a learners permit or a drivers license in the state of New York?

Thank you for the question. In short, you will run into issues with your insurance company if you are not listing all household members.
Dec 30, 2019 North Babylon, NY

General Insurance

If my girlfriend and I get auto insurance together (we live together) does it matter who the main owner of the policy is?

You will both need to be listed on the insurance policy to be eligible drivers. I would put the main policyholder as whoever will be the titleholder and registering the vehicle.
Dec 23, 2019 New York City, NY

Coverage & Claims

Is my excluded boyfriend covered if he's hit by another driver?

Sorry to hear about the accident. If the other person is at-fault they should cover all damages regardless of who was driving your car.
Dec 12, 2019 Niagara Falls, NY
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