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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.

Renters Insurance

Will my renters policy cover additional living expenses?

Your renter's insurance policy only covers your personal property and personal liability - not the property or displacement due to an issue with the dwelling. Since it is an issue with the dwelling, your landlord should have coverage for this type of issue on their policy.

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.

General Insurance

What can I expect to pay for first time car insurance?

Waiting until you're 30 will not really impact your rate. The bigger rating factor will be your lack of insurance history.

Coverage & Claims

Are my seats covered from damage caused by a rat?

When there is an animal involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car.

Eligibility

Moving abroad for a while, but don't want to loose the plates in NY. What should I do?

Unfortunately, as long as the car is registered and still has plates, you have to maintain insurance on the car. There really is no way around it.

Coverage & Claims
General Insurance

Need international motorcycle insurance

There are several companies that will insure you with an International driver's license. Keep in mind most company will add a surcharge onto the policy because they will not be able to verify your driving history.

Homeowners Insurance

Dog bite claim on a home insurance policy

Every insurance company is different when it comes to home claims. Any claim that is filled will impact their rate and as you mentioned you can even be dropped by your insurance company.
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