Car Insurance Laws New York NY

Reader’s Question:

I have insured my car in New York for so many years now but until now there are still missing links to me why I got the car insurance that I have now and why should I get my car insured. What does the law of car insurance in New York say?

Sean

Hempstead, NY

Car insurance law in New York means no-fault system which means that nobody is at fault whenever a car accident happens. Both parties have to share with all the expenses needed for both parties’ damages. Since New York is a no-fault system, a driver should get a personal injury protection which will help both parties deal with hospital charges in case of accidents. No-fault system is actually a law made to lessen charges and filing suits for damages caused by the accident except for damages or injuries that are severe or unluckily resulted to death.

The law of New York Car Insurance is important for registration purposes. A driver should get a Liability Coverage with a minimum of limit of 25/50/10 which is also most needed if the cost is for the other driver’s injuries or damages. And if you haven’t gotten a liability insurance you should get an Underinsured or uninsured motorist bodily injury coverage which will help you cover the cost of your injuries. Just like other states, New York also offers a lot of other policies which will eventually be decided by you and only you. The laws with regards to car insurance are not suppressing but instead it protects us even if we don’t want to.

Tags: car insurance, no-fault insurance

Car Insurance Claim New York NY

Reader’s Question:

A friend of mine got into an accident and he’s having problems with the other driver because he told a different story to his car insurance company here in New York that’s why my friend’s claim was denied. What could he have done after the accident so that he wouldn’t have such hard time being paid for his claim?

Emil

Niagara Falls, NY

I’m pretty sure that the other driver’s car insurance company in New York will put up with their policyholder’s account of what happened so that they can ultimately keep away from paying your friend’s claim. This kind of situation comes to pass always and the first thing that the car insurance provider will do is to deny your friend’s claim. The at-fault driver’s insurance provider would undoubtedly accept their policyholder’s stand.

This situation usually happens in such cases that there were no police accident report submitted, which is why calling the authorities to the scene of the crash is very essential. In a lot of states, if a police investigator at an auto crash concludes that the damage is small (normally less than $500), he won’t make an accident report. But the approximation of repair shops for that same car crash may dash into thousands of dollars.

The best thing to do after an accident is to get eyewitnesses and the other driver’s full details. You also have to bring the car right away to a body shop in order to play down any queries about what caused the damage. Take note of all the other party’s address and car insurance policy details, including testimonies and contact details of any eyewitnesses at the scene. In this case, if beyond questions come up later, you hold a better part of proofs collected at the scene to boost your position on how the accident happened.

Tags: car insurance, car insurance claims

Car Insurance Policy New York NY

Reader’s Question:

I have been living here in New York for quite long and what bothers me is the law in this state which is “no-fault system”. Is there anything hidden in this law of New York? Does it have something to do with the minimum requirement of the state of New York?

Tracy

Islip, NY

It is true that every law, policy or system has a loophole including the “NO Fault System” here in New York. “No Fault System” means that there is no one to be blamed if a car accident happens. Both drivers in the accident have to divide both expenses.

The loophole of the “No fault System” requires all New York drivers to purchase a Liability Policy and a Personal Injury Protection which will compensate all the damages and medical expenses that have been incurred by the accident. Another thing that New York requires to all the drivers to have an uninsured/underinsured motorist insurance that will pay for the damaged car or injured person that was incurred by a person who doesn’t have any insurance or a person who doesn’t cover all the damages acquired, this policy also covers those victims of hit and run. The no fault system is actually good for those citizens who have their own car insurances and covers everything in any situation they get themselves into. If you learn everything your state has to offer then you don’t have any problem for you will know the consequences and benefits if ever you have made your choice on what policy you would take.

Tags: auto insurance, car insurance policy

Auto Insurance Cancellation Manhattan New York NY

Reader’s Question:

Will it be hard for me to find an auto insurance company here in Manhattan, New York to give me coverage if my previous policy has been cancelled due to non-payment?

Nick

Manhattan, NY

It will not be easy for you to find an auto insurance company in Manhattan, New York to provide your coverage especially that you have been cancelled for non-payment of your premiums. You just became someone that insurance companies do not want to insure even if you have a spotless driving history. On the other hand they could let you buy auto insurance but not through an installment plan. They may ask you to pay upfront for the annual premium rates instead. A lot of auto insurance companies also consider checking the credit history of their potential customer to determine the premiums.

The worst case that you may be in is that you have to purchase auto insurance from a high risk or nonstandard insurance provider. These insurance carriers provide coverage for those who are considered less-desirable risks, generally because of their driving history. It will always be better if you could find coverage in the standard or preferred market. Motorists who are in the preferred category pay the most affordable insurance rates. But if you don’t have a clean driving history and you’re classified as a bad credit risk, you could run into real problems.

Tags: auto insurance, high risk insurance

Collectible Car Insurance Brentwood New York NY

Reader’s Question:

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

Affordable Auto Insurance Albany New York NY

Reader’s Question:

I am trying to have the most affordable auto insurance as much as possible here in Albany, New York. How do you think would I be able to get the cheapest one?

Kalen

Albany, NY

Most owners of motor vehicles do not necessarily think about what they would have to use the auto insurance for when they are in the process of choosing a policy. They only think about the amount they would have to put out immediately or monthly rather than the amount they would have to pay in case they have to file a claim. You can check out the deductible and liability levels and find out what you could comfortably afford every month.

While it is ideal to own the best coverage, not all of us could make the necessary payments. In this case, you would have to settle for something much more affordable so that the payment could be made in a timely manner. It would be detrimental not to have any auto insurance than having average insurance if an accident happens. In any case, you may want to go beyond the minimum liability requirements for your auto insurance in Albany, New York. If you’re at fault, lawyers could go after your assets if you don’t have enough insurance to cover the damage. In this situation, you need to have liability coverage to protect those assets.

Tags: auto insurance, auto liability insurance, cheap auto insurance

Female Student Auto Insurance Irondequoit New York NY

Reader’s Question:

What advice can you give me in seeking for female auto insurance to give me coverage? I am a student here in Irondequoit, New York and I wanna know if there is something different for female student auto insurance.

Kaleigh

Irondequoit, NY

When you seek for female student auto insurance in Irondequoit, New York, it would be necessary that you choose an auto insurance company that could offer the best value for their service. Choose the one that weld take into consideration your gender as well as your status of being a student who may be able to have unusual driving habits. The leaders in providing car insurance for young people often understand their clients as much as possible. Without this understanding, it is impossible for them to provide great quality of service.

Auto insurance providers know that female motorists are part of lower risk group than their male counterparts. You could be tired of handing out a large amount of money like any other student. Female student auto insurance would definitely give you peace of mind while you’re on the road. Get the affordable auto insurance right for you from this website by obtaining a free quote.

Tags: auto insurance, auto insurance quotes, female car insurance, student car insurance

DWI Pre-Trial Motions White Plains New York NY

Reader’s Question:

It’s nearing the trial phase for my brother’s DWI case here in White Plains, New York. He mentioned that they would still have to go through the pre-trial motions. Could you please explain what pre-trial motions mean and what would the defense usually have to do during that stage?

Reed

White Plains, NY

A motion simply means an application by the lawyer seeking some type of relief from the Judge. The motion would be presented to the Trial Judge either a written formal motion or orally in an open court. Through a motion, it would bring a limited, contested matter before a court for decision. This could be thought of as a request to the judge to make a decision about the case.

The defense of your brother’s DWI case in White Plains, New York could ask the judge for relief to compel the state of New York to supply discovery, to suppress or exclude statements based on the lack of a knowing and intelligent waiver of Miranda rights and suppress or exclude evidence based on some constitutional defect such as an unlawful DWI stop and detention of your brother. They could also ask to limit the testimony of the State witnesses or to preclude witnesses from using the term “fail” with regard to your brother’s performance on field sobriety tests. In pre-trial motions, the defense could also ask to dismiss the charges because of the State’s failure to afford your brother his constitutional right to a speedy trial and possible exculpatory evidence or the State’s inability to sustain the DWI charge.

Tags: DWI, DWI lawyer, DWI trial

DWI Case Trial Niagara Falls New York NY

Reader’s Question:

I don’t know the court process here in Niagara Falls, New York and I wanna know certain things about DWI. In a DWI case trial is it necessary for a defendant to be on the stand or the defense lawyer would not let this?

Frederick

Niagara Falls, NY

Expert DWI lawyers believe that it is not a very good idea to put the defendant on the stand in a criminal DWI court trial. The main reason for this is that defendants are not experienced witnesses and they often appear to be nervous. Just imagine yourself being in a DWI court trial in Niagara Falls, New York, you were put on the stand and you haven’t experienced being in the same situation before. Although, your lawyer might have discussed how you would act and answer, it would still be different when you’re already there.

Having a defendant on the stand would also shift the jury’s focus. The primary objective of the defense in a DWI court trial is to show that the prosecutor’s case is not strong enough to convict a person beyond reasonable doubt. But if the defendant is put on the stand, the focus will shift on the credibility and honesty of the defendant. The jury would then be forced to choose between the officer and the defendant and it would give the prosecutor the chance to make the defendant look like he’s hiding something. The only good time that a defendant to be put on the stand is to contradict something that the officer said.

Tags: DWI, DWI lawyer, DWI trial

DWI Right To An Attorney New Rochelle New York NY

Reader’s Question:

My cousin was arrested for DWI in New Rochelle, New York and he wasn’t able to contact an attorney until he was already at the police station. Question is, when does a person who is arrested for DWI have an absolute right to an attorney?

Edwin

New Rochelle, NY

If the police officers in New Rochelle, New York are going to interrogate a person or ask questions about the DWI arrest, he/she has an absolute right to an attorney. A person does not have a right to a lawyer to decide whether or not to take a breath or blood test. Every individual has an absolute right to an attorney at their criminal trial.

Anyone who is in custody of a police officer where it can be viewed that the person is under arrest, even if he/she was not told “your under arrest,” is absolutely entitled to be informed of their rights if the officer is going to ask him/her questions. These rights include the right to remain silent, the right to a New York DWI lawyer prior to and during any questioning, the right to a free lawyer if the person cannot afford one and the right to terminate interrogation at any time. But if an officer violates these rights, it does not necessarily mean that they DWI will be dismissed. Rather, any incriminating statements that we obtained illegally would be prevented from being admitted against the person in the criminal court trial of the DWI case.

Tags: blood alcohol test, breath test, DWI, DWI lawyer

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