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General Insurance

Hit by uninsured driver, will my insurance pay me?

In New York, you're required to have uninsured motorist coverage, so you would be filing a claim under that coverage for your medical expenses. However, there isn't a legal requirement for the uninsured motorist property damage coverage - which you would use to file a claim for the damage to your vehicle.

General Insurance

I can't register my car without insurance but it's not in my name

The only reason the insurance wants to know about registration is for claims purposes and to make sure there are no other undisclosed drivers. I'd tell the insurance that you plan on transferring it right away.

General Insurance

Should I add my girlfriend to my car insurance policy?

If the only reason you would be adding your girlfriend to your policy is to save money, I wouldn't recommend it. At the end of the day, your insurance company would be insuring an additional person and vehicle so regardless of the multi-person or multi-vehicle discount you would receive, it probably wouldn't offset the additional insurable interests.

Coverage & Claims
General Insurance

Do I need a license plate in NY

In New York you are required to have it plated no matter what. I would contact the DMV and see if they offer a temporary tag if you just need to get it moved.

General Insurance

Do I have to tell my car insurance company about my lien?

Insurance companies do not know who the lien holder would be without it being provided. A lot of agents will ask for it when they write the policy if they know.

Coverage & Claims

Do I have to file a claim with my insurance even when I'm not at fault?

I would not recommend speaking with your insurance company unless the other driver refuses to pay for the damages. Because you have the police report and hopefully the other driver's insurance information, you should call their insurance company and begin the claim's process.

General Insurance

At what age does car insurance decrease?

While your insurance premium is calculated by a lot of variables, your age and driving experience/history are big factors. If you're a young driver, you can expect your age to impact your rate until you're 25. If you're not a young driver but a new driver, your premium will begin to decrease as you get more years of driving experience.

Coverage & Claims

Do I have to report an accident I wasn't at-fault for?

If you have a loan or lease on your vehicle, it's probably stated within your agreement to use the funds they sent you to get your vehicle fixed. Even if you don't, if you plan to resell the vehicle, it's probably within your best interest in fix the vehicle.

General Insurance

My daughter hit her head after an accident with a deer

The state of New York requires all drivers carry personal injury protection at minimum of $50,000 per person. This provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

Coverage & Claims

Owner originally declined to involve insurance then changed his mind

Even if he originally denied wanting to get insurance involved, he can change his mind. I recommend reviewing the damage caused by your son and the damage to the vehicle, to ensure nothing else has happened to the vehicle.
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