Reader’s Question: If your vehicle is stolen while the keys are still in the car does full coverage car insurance still cover the car in New York? What if the car is under someone else’s name? Allan New York, NY Let’s say you are using a friend’s vehicle with their permission and it was stolen [...]

Reader’s Question: If someone receives a first speeding ticket in Babylon, NY (that is under 14 miles per hour over the speeding limit), can insurance companies raise car insurance rate premiums? Marie Babylon, NY New York state laws prohibit insurance companies from surcharging certain traffic violations. NY Insurance Department only allows surcharges to be applied [...]

Reader’s Question: My teen got his driver’s license 2 years ago. He is now in college in another state. To my understanding, I was not required to inform my car insurance company about my son so I haven’t told them yet and besides they never asked me. Just recently, we purchased a new vehicle, and [...]

Reader’s Question: On my way to my mother’s house I parked next to the curb, got out of my car, but noticed it was a little too far so I parked it closer. What ended up happening was the rear end of my car hit the front bumper of the car behind me. The driver [...]

Reader’s Question: I’m a parent worried about how much I’m going to pay for my newly licensed teen. How can I be able to save money on my daughter’s insurance here in New York? Belle Buffalo, NY Saving money on teen car insurance in New York may not be so easy. You are not alone [...]

Reader’s Question: If I took the breath test and the result was only .07% BAC, less than the legal limit of .08%, will I be safe from being charged a DWI case in New York? Karen Amherst, NY Tricky question Karen, thanks for asking. Blood alcohol content, or BAC, is defined as the measurement (or [...]

Reader’s Question: A friend told me that he was tested with a breathalyzer due to being arrested for DWI in New York, but claims that he shouldn’t have failed the test. Is the breath test really accurate? How can you refute a failed breath test? Stephan Buffalo, New York A breathalyzer is a device for [...]

Reader’s Question: What is the time limit to file a claim to car insurance after a collision in New York? Lincoln Babylon, NY You should contact your specific insurance company’s claims department to determine additional details on the time limits there are to make car collision claims. As for the NY state laws, you can [...]