Reader’s Question: I am planning to purchase vehicle insurance from someone who offers the cheapest rate. My husband however says I should try to look for other firms which are more stable here in the New York area. Is he right? Kylie Amherst, NY The usual thinking most car owners have is that the insurance [...]

Reader’s Question: How much car insurance coverage do I need to purchase in New York? Jeff Buffalo, NY The State of New York is a no-fault state. This means that in the event of an accident, you will need to file a claim against your own car insurance company through your no-fault insurance policy. The [...]

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 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 would like to know what is the minimum insurance that I should have for my car. Is it okay to get just the minimum or should I buy more insurance? This is Chris from Buffalo, New York. Chris Buffalo, NY Hey Chris. If you want to drive legally in Buffalo, New York, [...]

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: 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 [...]