Reader’s Question: I have minimum state coverage insurance on my vehicle in Manhattan, New York. The vehicle was stolen. Does the insurance carrier compensate for the stolen vehicle? Jane Manhattan, NY No, with just the minimum state coverages in Manhattan New York your vehicle is not covered by your car insurance company in any way [...]

Reader’s Question: I would like to know if after a car accident occurs a police report is required in Brentwood, New York? Tom Brentwood, NY A police report is not necessarily required for every incident in  New York City or New York State as a whole but it would be advisable to get an accident [...]

Reader’s Question: Ok so I am only 17 years old and I really want to drive. I have enough money to purchase myself a vehicle. But they said that I cannot have a vehicle until I turn eighteen. I would like to know if it is possible for me to get my own car insurance [...]

Reader’s Question: My vehicle was stolen last week and I only have liability insurance so I am pretty sure it is not covered. Should I cancel my auto insurance in NY? Would I be held liable if the thief cause damages to other property with my vehicle? Cory Levittown, NY Since you did not have [...]

Reader’s Question: Who is considered “inexperienced” with regards to driving experience in New York?  I am a young driver trying to lower the rate my parents pay for car insurance. John Hamburg, NY If you have a vehicle in your household you should have been on an insurance policy, either a car or your parents [...]

Reader’s Question: I am planning to move to Colorado from Ramapo, New York. I still have a New York State license. I would like to know if I wait until I change my New York State license to CO before I purchase car insurance? Russell Ramapo, NY According to the Colorado DMV if you have [...]

Reader’s Question: Will a traffic ticket violation be reflected on my driving record with just a learner’s permit or provisional license in  New York? Jim Hempstead, NY An individual with a junior permit, privileges or license will have their license be suspended for sixty days if they are convicted of a serious traffic violation or [...]

Reader’s Question: In Albany, New York, do you have to register the car before insuring it or is it the other way around? Jim Albany, NY In Albany, New York you need to insure your car before registering it. When registering a car one of the items you need to bring to the New York [...]