Guides
- How New York Auto Insurance Works
- Required Auto Insurance in New York
- New York No-Fault (PIP) Explained
- Bodily Injury and Property Damage Liability Limits
- Mandatory Uninsured Motorist Coverage
- Supplementary Uninsured/Underinsured Motorist (SUM) Coverage
- How to Read a New York Auto Insurance Declarations Page
- Policy Forms, Endorsements and Exclusions
- Insurance ID Cards and DMV Electronic Reporting
- New York Auto Insurance Terms Glossary
- How to Compare New York Auto Insurance Quotes
- Licensed Insurers, Agents and Brokers
- Factors That Can Affect New York Auto Insurance Premiums
- Garaging Address, Territory and Vehicle Location
- Driving Record, Accidents and Claims History
- Credit Information and New York Auto Insurance
- Vehicle Choice and Insurance Cost
- Mileage, Commute and Vehicle Use
- Telematics and Usage-Based Insurance
- New York Auto Insurance Discounts and Savings
- Multi-Car and Bundled Policies
- Choosing Collision and Comprehensive Deductibles
- Installment Plans, Late Fees and Returned Payments
- Complaint Rankings and Insurer Financial Strength
- A Practical Auto Insurance Renewal Review
- New York Automobile Insurance Plan (Assigned Risk)
- Collision Coverage
- Comprehensive Coverage
- Glass and Windshield Coverage
- Rental Reimbursement Coverage
- Rental Cars and a New York Auto Policy
- Roadside Assistance and Towing Coverage
- Gap Coverage and Loan or Lease Balances
- Additional PIP and Optional Basic Economic Loss (OBEL)
- Supplemental Spousal Liability Insurance
- Personal Umbrella Coverage and Auto Liability
- Custom Equipment and Vehicle Modifications
- Classic and Collector Vehicle Insurance
- Business Use, Delivery and Rideshare Driving
- Non-Owner Auto Liability Coverage
- What to Do After a Crash in New York
- Police Reports and the DMV MV-104
- How to Start a New York No-Fault Claim
- New York No-Fault Claim Deadlines
- Filing Collision or Comprehensive Claims
- Third-Party Property Damage Claims
- Hit-and-Run and Uninsured Driver Claims
- Total Loss and Vehicle Valuation
- Vehicle Theft and Vandalism Claims
- Flood, Storm and Falling-Object Damage
- Handling a Glass or Windshield Claim
- Transportation While a Vehicle Is Being Repaired
- Claim Documents, Photos and a Communication Log
- Claim Delays, Denials and Disputes
- Auto Insurance Fraud Awareness
- Filing an Auto Insurance Complaint with DFS
- Keep Insurance and Registration Aligned
- Changing Insurers Without a Coverage Lapse
- Moving Within New York
- Moving To or From New York
- Selling, Trading or Donating a Vehicle
- Surrender Plates Before Canceling Insurance
- Storing a Registered Vehicle
- Insurance Lapses and Registration Suspension
- Responding to a DMV Insurance Letter or Order
- Adding or Removing a Household Driver
- Teen and Newly Licensed Drivers
- Buying a New or Used Vehicle
- Financed and Leased Vehicles
- Address and Garaging Changes
- Driving Outside New York and in Canada
- Registration Status and Insurance Records
- Cancellation and Nonrenewal of a New York Auto Policy
- Missed Payments and the “Grace Period” Question
- Traffic Violations and Insurance Premiums
- Accidents, Surcharges and Rating
- Defensive Driving Course Discounts
- Coverage Options for Drivers Having Trouble Finding Insurance
- Financial-Responsibility Orders and “New York SR-22” Searches
- Policy Reinstatement After Cancellation
- Insurance After a Driver-License Suspension
- Seasonal Vehicles and Coverage Changes
- Passenger Liability and Household Members
- Medical Payments Coverage Versus No-Fault PIP
- Pets and Personal Items in a Vehicle
- Identity Theft and Secure Insurance Shopping
- Telematics Data and Driver Privacy
- Weather and Catastrophe Planning for Vehicle Insurance
- Urban, Suburban and Rural Insurance Questions
- Low Mileage and Remote Work
- Students Away From Home
- Adaptive Equipment and Accessible Vehicles
- Electric and Hybrid Vehicles
- Older Drivers and Household Changes