Reader’s Question: I live in Queens, New York. What is the definition of “Property Damage” here in my state? Karen Queens, NY According to the New York Insurance Law, Property damage Liability insurance is defined as insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such [...]

Reader’s Question: Do you know what the penalties would be for car insurance lapse in Oyster Bay, New York. Bill Oyster Bay, NY Anytime that your automobile is registered but not insured in the state of New York it can cause a car insurance lapse in your insurance coverage and registration suspension. The NYS Department [...]

Reader’s Question: I am planning to move to Manhattan, New York from CO and I am wondering if I also need to change my drivers license to NY and if its possible to keep my car insurance in CO. Brad Manhattan, NY According to the New York State Department of Motor vehicle you must apply [...]

Reader’s Question: I have the minimum liability insurance in Albany, New York and yesterday my vehicle was stolen, can I get something from my car insurance carrier? Tony Albany, NY It is unfortunate that your vehicle was stolen but the minimum liability coverage that you have will not cover your stolen vehicle in Albany, New [...]

Reader’s Question: What will happen if I loan my vehicle in Hamburg, New York to a friend and he got cited for driving without a license and a ticket for speeding. Will it affect my auto insurance? Carol Hamburg, NY If your friend borrow your vehicle and he got cited for driving without a license [...]

Reader’s Question: If somebody else is the primary driver on a car, can I insure and register it under my name in Buffalo, New York? I do not have a valid drivers license by the way. Kelley Buffalo, NY Normally insurance companies in Buffalo, New York require you to have a valid US driver’s license [...]

Reader’s Question: I live in Albany, New York. Everything about my car is so expensive. What can I do to get the cheapest car insurance in New York ? Your help is appreciated. Lindsey Albany NY Hi Lindsey, There are things you can do to get the cheapest car insurance policies. You have more control [...]

Reader’s Question: I would like to know if you are required to have car insurance in Brooklyn, New York if you only have provisional license. James Brooklyn, NY If you are a teen who lives with your parents, typically car insurance carriers would want your parents to notify them once their children obtain their learners [...]

Reader’s Question: Am I required to get collision and comprehensive coverages on my car if I have a lien on my vehicle in White Plains, New York? Brenda White Plains, NY The state of New York state does not require you to carry physical damage coverages of collision and comprehensive on an automobile that has [...]