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General Insurance

What are my options if I am paying over $700 a month in car insurance?

Unfortunately, it would appear that your girlfriend's insurance company sees her as a high-risk driver. This would explain her coverage being dropped and the new policy having expensive rates.

Eligibility

How can I enroll just my child to another insurance policy while I stay with Geico?

This can be tricky. My best recommendation is simply to contact GEICO.

Coverage & Claims

Could my parents' premium increase if I reported an accident to the insurance company but decided to repair the car out of pocket?

The claim can still show up on your insurance report but it would show that $0.00 was paid on the claim. Having said that, it can still impact your rate for up to five years.

General Insurance

How much would insurance be for someone who just got their license and is 21 years of age?

There are many different factors that go into calculating your rate. According to our State of Insurance report, the national average premium for 21-year-olds in 2018 was $2,461 and in New York, the average premium for drivers between ages 21-29 was $2,227.

Coverage & Claims

Should I file old damage with my new company or my old company?

No, you would need to file the claim with the company you had at the time of the incident. They are the ones that would be responsible to pay for the damages since it occurred while you were insured with them.

Car Insurance Costs

I am a 24 year old new driver. What should I expect the range of prices for car insurance should be?

The average 24-year-old in NY paid $2,431.57 for car insurance last year. However, this will no way reflect how much you pay.

Coverage & Claims

Who pays for hit and run damage if there's no UMPD coverage in NY?

Uninsured Motorist Property damage is not a coverage that is offered. If the policy has collision coverage you can use that coverage to have the damages repaired.

Coverage & Claims

What is acceptable proof of MVAIC?

You really need to contact MVAIC to ask what is considered acceptable proof. The police should be able to provide you with a police report.

General Insurance

What caused my premium to increase?

Having a lapse in coverage and an accident will likely cause a high increase in your premium. Once you've had insurance again for six months, without a lapse, your rates will start to get better.

Car Insurance Costs
Coverage & Claims

Can I get a refund for premiums I was forced to pay after accident?

Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
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