My car insurance here in New York might be cancelled because of non-payment for a month. Now, I already need car insurance for high risk, will I have a hard time getting myself insured again?

Marian

Brookhaven, NY

If you are late on your payment for your car insurance in New York, your car insurance company will send you a notification stating that you have missed your payment last month. They would most likely give you about ten days to make the appropriate payment before they cancel your policy. If they get the payment before the cancellation date, they would probably send you a letter of reinstatement. You will most likely be asked to pay your premium, an applicable late fee and extra charge to cover the gaps between insurance coverage.

A number of states would not restore your car insurance policy if you are more than one day behind your payment, even if it has been mailed. In New York, you would also have to pay a fine for the number of days that you don’t have car insurance. The laws of the states are different for not paying the premiums but generally, if the policy has been cancelled, you would have a hard time getting insured again as you already need car insurance for high risk.

Car insurance for high risk would have higher premium so you have to be careful for your policy not to be cancelled. Also, car insurance for high risk may only have one payment option which is to pay it upfront. You have to remember that the higher risk you have as a driver, the higher payment you have for your car insurance.

Tags: car insurance, car insurance coverage, car insurance policy, car insurance premium, high risk car insurance

My sister is considered to be a high risk driver for drunk driving that resulted to an accident once. And this caused a sky high increase in her premium and that’s the reason why she switches companies and policies here in New York. Do you think she is doing the right thing or is there any method for a high risk driver to get car insurance?

Therese

Amherst, NY

What your sister is doing is a common thing that a high risk diver usually does. Switching companies and policies in order to get a better and cheaper policy is not the best solution for a high risk driver especially for someone who has multiple tickets and accidents or DUI conviction. There are much better ways on how to get a good insurance even if you are a high risk driver in New York.

The first thing you should do is to check your State’s Department of Motor Vehicles about your record in which it will show you how bad your record is exactly. Of course you should check if all your fines for all your violations are paid. You should also know more information from the DMV and car experts on how to improve your driving skills. Go online and look for agents from high risk car insurance companies and tell them exactly what you need for your insurance and discuss it with them your situation. You can search online or in the yellow pages different high risk car insurance companies and compare quotes. Select a company that can give you the best coverage and lowest premium for a high risk driver. And when you have chosen the high risk car insurance company that best fits your needs, you have to read the policy carefully and make sure that all the vital aspects are covered. After checking everything, you can sign your new policy.

Tags: car insurance company, DMV, DUI, high risk car insurance

I didn’t know that my friend used my car this morning and I was relieved nothing bad happened. If she or somebody uses my car again without my permission and got into an accident, will my car insurance here in New York cover any damage? It also got me to thinking, if someone steals my car then gets into an accident, who pays for any damage?

Santos

Mount Vernon, NY

You will not probably be held responsible for any damages if your friend drove your car without your authorization. If this happens and she has car insurance coverage, her insurance would have to pay for the damages first. However, if she does not have car insurance, you almost certainly have to use your collision coverage out of your own car insurance in New York to pay for the damages to your car and your auto liability coverage would pay for the damages to other properties. Remember that car insurance providers would presume that your friend has your approval to drive your vehicle except that there are apparent signs that you didn’t give authorization or there are justifying situations like she was drunk when she took your vehicle without permission.

On the other hand, if your car was stolen and then the person who took it had an accident and caused damages, you will not be held liable for it; however, you most likely would have to utilize your collision coverage to cover those damages on your vehicle. But don’t expect that the robber has car insurance coverage and has sufficient money to cover for repairs and pay for medical bills. If the robber has car insurance, his insurer will not pay for his unlawful action.

Tags: auto insurance, auto liability insurance

I’ll be out on the road on official business and would have to rent a car. In case I get into an accident, will my employer’s insurance provider give me coverage or do I have to file the claim to my own insurance provider here in New York?

Gary

Islip, NY

If you will be out on the road on official business and would have to rent a car, you have to be certain that you inform the rental vehicle company that you are there for business. In case you get into an accident, the rental vehicle company know that they have to contact the insurance provider of your employer. In case that you will use the rental vehicle for both business and private reasons, the insurance provider would have to find out whether you were doing business during the accident. If you get into a crash during rush hour, it will be more likely that the insurance provider of your employer will give you coverage. But if it happens at 2 am, they will almost certainly not cover you for that.

In this case, your own car insurance coverage in New York would normally cover you if you are driving a rental vehicle. However, you need to make sure of that with your car insurance provider. That car insurance coverage must be useful in all of the states. Every policy would cover you and consequentially be adjusted to the minimum liability coverage for that state.

Tags: business car insurance, car insurance, rental car insurance

I just started working here in New York. Since I terminated my car insurance in the other state when I lived before and planning to get a new one here, I’m a little bit flustered since every state has different laws with car insurances. What are the differences of the law here in New York in other state?

Justin

Brookhaven, NY

The cost of not having a car insurance are unquestionable in today’s lifestyle, since we will not be able to afford a vehicle repair or medical expenses if we had either a minor or major accident on the road. You have to at least know the basic requirements of the consumer’s state of residence.

Since New York is a “no-fault” state, it only means that when an accident occur both parties have to pay for the damages settled by both of their Car Insurance Company for neither of them are held accountable of the accident. With this law, it had shrunk the number of charges and had brought drivers to be attended to immediately as this has intended to do. If you have the Personal Injury Protection (PIP), it will cover all your expenses in terms of medical care. PIP doesn’t only cover all the medical expenses but also lost wages that resulted due to the accident. If worse comes to worst, it also pays for the funeral expenses if there is a need. But even there is this “no fault” policy, if the other’s car insurance policy is not enough for all medical expenses, the other should pay for the excess.

Tags: auto insurance, car insurance policy

My niece is about to be of legal age and she has been convincing her parents to buy her a car. Her parents don’t know how to avail a cheaper Car insurance for teens here in New Rochelle, New York. Are there any methods to get the cheapest car insurance for teens?

Martha

New Rochelle, NY

Teenage drivers usually are the biggest number of car accidents on the road. Therefore, you cannot blame the Car Insurance Companies in giving higher premiums to young drivers. But this is not something you can’t settle for there are some Car Insurance Companies in New Rochelle, New York doesn’t have the same faint view for teenage drivers, with that you can get a lower premium even if you are a young driver.

In order for a teen driver to lower its premium, the adults in the family should be a role model in following the laws of the road. The young driver should know the laws applied in the state for there are limitations to new young drivers. The law should be insisted to the teen driver by his/her parents. Parents should also explain to their children about drugs and alcohol especially when they are driving. The cleaner record you have, the lower the premium you’ll get. Parents’ Guidance is still the best way to make children safe in the road and getting a lower premium with regards to car insurance. You can also add them to your own Car Insurance Policy as an additional driver for them to avail the same benefit you have.

Tags: auto insurance, car insurance policy, teen car insurance

I usually do my transactions online because I find it more convenient to use. I also plan to use the Internet in exploring my options for car insurance here in Babylon, New York. What are the things that I should take note in finding an insurance company online and what other option do I have aside from this?

Nima

Babylon, NY

In your search for the best car insurance provider online, keep a record of things in another computer file or jot them down on a piece of paper split up into groups. By doing this, it prevent you from doing the same thing all over again. If you go to various insurance websites, you must keep details of a number of items such as:

–Yearly and monthly premiums for the various kinds of insurance coverage and be certain that the coverage limits are identical.

–A toll free phone number to get in touch with them for queries that you could not find answers on their website.

–Their payment procedure – when it is due and the consequences if you have a late payment.

–Various discounts that they offer that you may be eligible for.

If you have already explored various insurance websites, the other option that you have to find a company for your car insurance in Babylon, New York is to ring them up. For those insurance providers that you were not able to get quotes from, you must get in touch with them through phone. Now and then, getting a quote by speaking with them through phone could be quicker that going online.

Tags: auto insurance company, car insurance, online car insurance

I heard from someone here in Greenburgh, New York that it’s not true that the car color is one of the factors to determine the car insurance rates. But how do people get the idea that car color can impact the premiums we pay for our insurance?

Otis

Greenburgh, NY

The car color doesn’t really matter in determining your auto insurance rates in Greenburgh, New York. There is no proof that drivers on a red car in fact get more traffic violations than those drivers who are on a white car. No particular color has been proven to intensify the chance of having a vehicular accident. As a rule, driving within the speed limit would always be a great idea, regardless of the color of the vehicle you drive. Even if you have a red car but you drive it at the limit, you have lesser chances of getting a traffic violation.

The idea that car color can impact the premiums for auto insurance sparkled on an urban legend that red cars get more tickets and thus, get higher premiums. There is no one who could confirm this statistically and the police and insurers even say that there is no connection between red cars and having more tickets and crashes. Also, on an examination conducted by a certain publication, red, so they say, means that you have a “need for speed,” and this presumption add to the idea that red cars get more moving violations.

Tags: auto insurance rates, car, car insurance

This would be the first time that I would have to purchase my own car insurance here in Clarkstown, New York. What are the things that I need to know before I go ahead and purchase my car insurance?

Terrell

Clarkstown, NY

It’s so important that all is well before you go ahead and purchase your first car insurance in Clarkstown, New York. You need to first figure out what type of insurance coverage you need so you have to understand what each type of coverage does. Then aside from that, you need to see also what you could get discounts for. There are some things you might already possess that could save you money. Some of these are airbags, antitheft devices, antilock brakes, clean driving history, multiple cars under one policy, etc.

You may also inquire the auto insurance provider if they increase the insurance rates in case you file a claim and under which occurrences they could drop your policy. Study well all of your potential insurance providers and find out if they are reputable. To do this, you could speak with other customers as well as repair shops who may have already worked with the insurance company. You can also research about the company’s rating through the state’s department of insurance or through the Better Business Bureau. If you have already shopped around and have chosen the best car insurance for your needs, read the policy carefully before you sign it. Be certain that it includes the coverage you requested and there are no surprise clauses.

Tags: auto insurance rates, car insurance

How can I find a car insurance agent to help me insure my classic car here in Brentwood, New York? What is this physical damage policy being used in insuring a collector car?

Theodore

Brentwood, NY

It would help a lot if you have specialty insurance for your classic car in Brentwood, New York, not just regular car insurance. For you to be able to have your classic car insured, you will need the help of a car insurance agent who specializes in finding an insurance policy for a collectible car. You could find a collectible car insurance agent online pretty easy. Before getting into a commitment to buy auto insurance from an online provider, you have to make sure that they know the insurance laws in your state.

Collectible car insurance uses a form called Physical Damage Policy that has caused some insurance agents a bit of confusion. Be sure that the agent knows how this type of form is being used and how it associates with the laws of your state as well. The state insurance department would provide the insurance agent with appropriate forms. There are also three other forms that are being used in insuring a collector car. These are the Stated Cash Value, Actual Cash Value and Agreed Value that are very essential to your insurance policy. You must be sure that the agent you select is well educated as far as these things are concerned to be sure that you obtain the proper insurance premium rate.

Tags: auto insurance, car, car insurance policy, classic car