Reader’s Question: I live here in New York and usually rent a car whenever my own car is in repair. Do I need to have a separate insurance for rental cars? Anna Manhattan, NY Rental car insurance is always a confusing matter for most of us. Renters buy supplemental rental car insurance for $20 to [...]
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Reader’s Question: I am from Mexico and I am going to New York for a business trip. I will be staying there for just a few weeks; however, I would still need to rent a vehicle to aid me in my work. Can I drive even with just my driver’s license? How can I get [...]
Reader’s Question: One auto insurance company here in New York is charging me higher premiums for their insurance, citing my not-so-good credit history as reason for my not getting cheaper auto insurance. Do they really look into people’s credit history? What for? Daisy Albany, NY Interesting question. Really interesting question. I asked around, too, and [...]
Reader’s Question: I received a ticket in New York because I was caught talking on a cellphone while driving. The police officer told me that no points will be placed. How will this incident affect my insurance rates? Gene North Hempstead, NY The law of the states of New York does not allow any mobile [...]
Reader’s Question: I have an unregistered car in community parking lot. Because of the insurance lapse in NY, my registration is suspended so I returned the car plates. But my community apartment parking management warned me of towing my car because it is not registered. Since I do not have a private home, where should [...]
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 [...]
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