Nys Car Insurance Laws

Top FAQs for Nys Car Insurance Laws

New York DMV | New York State Insurance Requirements

Category: Have Auto Liability Insurance

Do I need insurance? Yes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage, the DMV can suspend your vehicle registration and your driver license. What kind of insurance do I need? New York law requires that you have auto liability insurance coverage.

Yes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage, the DMV can suspend your vehicle registration and your driver license.

There can only be 1 or 2 names on a registration (registrants). Both the primary registrant (first name listed on the registration) and the co-registrant must sign the Vehicle Registration/Title Application (PDF) (MV-82) and provide their proofs of identity and date of birth. Both names must appear on the Insurance ID Card.

You must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card. Bring one copy or form of your Insurance Identification Cards with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance while they are operating the vehicle.

1. Your motorcycle must have insurance coverage any time it is operated on a public road or highway. Unlike most other motor vehicles, motorcycles are registered for one year rather than two, and all motorcycle registrations expire on April 30. Also, you can terminate your motorcycle liability insurance without surrendering the plate. This makes it easier to put the motorcycle back on the road after winter storage. However, under no circumstances may your motorcycle operate on public highways without liability coverage in effect.

2. A change on the insurance policy to a name different from the name on your registration may cause a lapse in insurance coverage, and DMV may suspend your driver license and your vehicle registration. Your vehicle's insurance and registration must always be in exactly the same name. You should always carry the paper or access to your digital electronic NY State Insurance ID Card in your vehicle.

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New York Auto Insurance Laws and Requirements - Insurance Laws in NY

Learn more about the New York auto insurance laws, minimum insurance requirements, no fault insurance, underinsured/unisred motorist coverage requirements, and penalties for driving without insurance in New York.

Like every other state in the United States of America, New York has automobile insurance laws. These laws are there to protect not only you but other drivers on the road as well. Continue reading below to learn more about these auto insurance laws, minimum requirements, and penalties for driving without insurance in New York State (or choose from our navigation menu to skip to the section you want to read).

If you decide to get behind a vehicle registered in the state of New York, you need to carry New York State liability insurance. Doing so ensures that you are able to cover the cost of damages to the other party if you ever happen to be involved in an auto accident.

Liability insurance, when spoken about in terms of car insurance, usually includes two types of coverage – property damage liability insurance and bodily injury liability insurance. Property damage liability (PDL) insurance usually refers to vehicle damage and bodily image liability (BIL) insurance usually refers to medical expenses. In New York, both of these liability insurance types are required.

You must purchase New York state liability insurance from an authorized agency that is licensed by the New York Department of Insurance. In fact, before you are even allowed to register your car in the state of New York, you need to have proof of insurance. Otherwise, the state will not issue your registration or plates.

Coverage TypeMinimum Amount Required Bodily Injury Liability (BIL)$25,000 per person in a single accident $50,000 for all persons in a single accident Bodily Injury Liability (BIL) Death Benefits$50,000 per person killed in a single accident $100,000 for all persons killed in a single accident Property Damage Liability (PDL)$10,000 for a single accident Personal Injury Protection (PIP) / No-Fault Insurance$50,000 for a single accident Uninsured Motorist Bodily Injury (UMBI)$25,000 per person $50,000 for a single accident CollisionNot Required ComprehensiveNot Required

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New York Car Insurance Laws | Bankrate

New York State drivers are required by law to have auto insurance, and to abide by insurance laws, in order to drive legally in the state. New York’s insurance limits are higher than many states, but the minimum requirements may still not be enough to adequately protect you.

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Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure.

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Reporting your Car Accident to DMV NY Motorist Accident Report #personalinjury #lawyer #pennstation

0:16 - 2 years ago

How to file a motorist accident report Under Section 605 of the NY State Vehicle and Traffic Law, all drivers involved in an accident ...

New York Car Insurance Laws (Updated 2022) | The Zebra

Feb 14, 2022 · In New York, the minimum limits for uninsured/underinsured motorist coverage …

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New York Car Insurance Laws

Category: Car Insurance Laws

New York State drivers must have auto insurance and comply with insurance laws to be able to drive legally in the State. Although New York's minimum insurance requirements are more stringent than those in other states, they may not be sufficient to protect you adequately. New York had almost 500,000 traffic accidents and 881 deaths in 2019. While the

New York State drivers must have auto insurance and comply with insurance laws to be able to drive legally in the State. Although New York’s minimum insurance requirements are more stringent than those in other states, they may not be sufficient to protect you adequately.

New York had almost 500,000 traffic accidents and 881 deaths in 2019. While the average claim payout was $6.360 for injuries, accidents can cost hundreds of thousands of dollars and an insurance policy will provide you with protection against expensive, out-of pocket costs.

New York is a state that is no-fault. This means that drivers must have personal injury protection (PIP), in addition to their liability insurance. Uninsured motorist coverage is also required by the state. The complete list of New York’s car insurance requirements is here:

Legally, your auto insurance provides proof of financial responsibility. Your insurance card shows others that you can pay for injuries or damages caused by an accident. You can present your insurance card after an accident to prove that you are capable of paying for the damages or injuries.

An Alternative Proof of Financial Responsibilty is an alternative, which is less well-known. It is offered in certain states. This option allows you to meet the state’s requirements in a different way and is issued a certificate which replaces your insurance ID card. There are three options available to you for this:

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Minimum Auto Insurance Requirements | Department of Financial Services

No-Fault (Personal Injury Protection) - to pay medical expenses, lost earnings, and other reasonable and necessary expenses, for example household help and transportation to medical providers, for a driver or passenger injured in, or a pedestrian injured by, your car;

No-Fault, also called Personal Injury Protection (PIP), is designed to pay promptly, regardless of who is at fault or whether there was any negligence, for economic losses (meaning medical/health expenses, lost earnings, and certain other reasonable and necessary expenses related to injuries sustained), up to $50,000 per person ("basic No-Fault coverage"), to the driver and all passengers injured in your car as well as any pedestrians injured by your car, because of its use or operation in New York State.

The purpose of No-Fault insurance is to restore individuals hurt in auto accidents to health and productivity as swiftly as possible. Because of New York's No-Fault law, lawsuits due to auto accidents can be brought only for economic losses that exceed No-Fault benefits and for non-economic damages (such as pain and suffering) only if a "serious injury" (as defined in the Insurance Law) is sustained.

No-Fault is a personal injury coverage and does not pay for auto body repair of your car or damage to any other party’s motor vehicle or other personal property. No-Fault is also primary to health insurance, which means it pays first in the event injury is due to an auto accident.

Under this coverage, your insurer provides you and all relatives who reside in your household with protection against economic losses arising from injuries sustained in motor vehicle accidents anywhere within the United States, its territories and possessions, or Canada. It also provides coverage for any passengers injured in accidents in New York State while in your vehicle, as well as any guest passengers who are New York State residents injured in your vehicle anywhere in the United States, its territories and possessions, or Canada, if they are not covered under another auto insurance policy in New York State.

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New York Auto Insurance Laws & Requirements

Category: Auto Insurance

Car insurance can be confusing, but it’s necessary and required in New York (and all states). Here’s what you need to know about choosing and using a policy.

Insurance is required in all 50 states, but each state has its own set of laws and rules. Even if you weren’t required to purchase car insurance, it would still be in your best interest to do so. Any driver or passenger can be involved in an accident at any time, and expenses related to car accident injuries can add up quickly.

Your insurance company will likely offer a single policy that incorporates each of the 3 requirements under New York law. The required coverages are minimum amounts, so you can always choose higher policy limits for additional protection.

No-fault insurance is also called Personal Injury Protection (PIP). The intent of no-fault insurance is to allow an insurance policy to cover medical treatment claims as quickly as possible without spending time determining who was at fault for the accident.

You may only file a personal injury lawsuit for a New York car accident if economic losses exceed your no-fault benefits, or if you have non-economic damages or a “serious injury” that meets certain requirements of the Insurance Law.

No-fault insurance typically covers: No-fault insurance generally does NOT cover: ✔ Medical treatment for personal physical injury for you, your passengers, or pedestrians. “Medical treatment” includes accident-related medical and rehabilitation expenses. ✘ Auto body repair to your car ✔ 80% of wages for lost work time, up to $2,000 per month for up to 3 years from the date of the accident (with statutory offsets for NYS disability, workers’ compensation, and federal Social Security benefits). ✘ Damage to another person’s car or other personal property ✔ Up to $25 per day for 1 year for other expenses like transportation to medical treatment, household a-sistance, etc. ✘ Pain and suffering, emotional distress, or other non-economic damages ✔ $2,000 death benefit to the estate of a person killed in an accident who is covered under the no-fault policy. Most insurance policies will not provide no-fault benefits if the insured driver was:

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New York DMV | Insurance

To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. Learn aboutNew York State insurance requirementsChanges to your insuranceCheck your insurance statusChanges to your insurance policyProvide proof of insuranceCancel insuranceYou must surrender your plates before you end the vehicle's liability insurance coverage.

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Nys Car Insurance Quotes 🚗 Nov 2022

Category: Nys Car Insurance

Nys Car Insurance Quotes - If you are looking for the best deals on car insurance then our service can provide multiple quotes.

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New York Insurance Law

We will always provide free access to the current law. In addition, we provide special support for non-profit, educational, and government users. Through social entrepreneurship, we’re lowering the cost of legal services and increasing citizen access.

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New York DMV | NYS Vehicle and Traffic Law Information

The Vehicle and Traffic Law is available online through The NYS Legislature (scroll down to …

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New York Consolidated Laws, Insurance Law - ISC | FindLaw

Browse all sections of New York Insurance Law in Findlaw(:':)s database

Welcome to FindLaw's Cases & Codes, a free source of state and federal court opinions, state laws, and the United States Code. For more information about the legal concepts addressed by these cases and statutes, visit FindLaw's Learn About the Law.

FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Please verify the status of the code you are researching with the state legislature or via Westlaw before relying on it for your legal needs.

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Section 3440 of the Insurance Law Rental Vehicle Coverage | Department of Financial Services

The Office of General Counsel issued the following opinion on October 17, 2003, representing the position of the New York State Insurance Department. Re: Section 3440 of the Insurance Law Rental Vehicle Coverage Question Presented: When there is a rental vehicle claim, what coverage is triggered under a motor vehicle insurance policy?

Pursuant to N.Y. Ins. Law § 3440(a) (McKinney 2000) and N.Y. Comp. Codes R. & Regs. tit. 11, § 60-1.5 (1996) (Regulation 35-A), every motor vehicle liability insurance policy insuring less than five private passenger motor vehicles that are registered in New York shall provide a separate rental vehicle coverage for the insureds obligation for actual damage to, or loss of, a rental vehicle. A-suming the renter of the vehicle has a motor vehicle liability insurance policy, the rental vehicle coverage, which is a separate endorsement in such insurance policy, would be triggered in the event of a rental claim.

Insured rented a motor vehicle under a rental agreement with a term of thirty continuous days or less. Insured is a New York resident with a New York issued motor vehicle liability policy. The hubcaps were discovered stolen from the rental vehicle on April 2, 2003, while it was in the possession of the insured.

N.Y. Gen. Bus. Law § 396-z (McKinney 2003), entitled: Rental Vehicle Protections, was recently amended by Chapter 656 of the Laws of 2002, which became effective on February 24, 2003. Specifically, Section 396-z(3) provides:

(3) Subject to the provisions of subdivisions six, seven, and nine of this section, a rental vehicle company may hold an authorized driver liable for actual damage to, or loss of, a rental vehicle, provided that (a) any claim for such damage shall be based on a physical survey by automation or after hours which precludes such survey, in which event any claim must be made within ten days after return; and (b) any charge for repair of such damage shall be limited to actual and reasonable costs and shall be a-sessed and billed separately and apart from the rental agreement. For purposes of this subdivision, "returned by automation" means a return acknowledged by machine receipt and where there is no interaction with rental vehicle company personnel and "after-hours" return means a return after normal business hours and in which the keys and rental agreement are deposited in the rental vehicle company office.

Prior to the amendment, GBL § 396-z (3) provided that "a rental vehicle company may hold an authorized driver liable for actual damage to, or loss of, a rental vehicle caused by such authorized driver, up to a maximum of one hundred dollars". Thus, except for a few exemptions, in New York a rental vehicle company was barred from holding an authorized driver or renter liable for an amount above $100.00 regardless of the actual damage or loss to the vehicle.

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Legislation | NY State Senate

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* § 2335. Motor vehicle liability insurance rates; prohibition ofsurcharges for certain accidents and traffic infractions. No insurerauthorized to transact or transacting business in this state, orcontrolling or controlled by or under common control by or with aninsurer authorized to transact or transacting business in this state,which sells a policy providing motor vehicle liability insurancecoverage in this state shall increase the policy premium in connectionwith the insurance permitted or required by this chapter solely becausethe insured or any other person who customarily operates an automobilecovered by the policy:(a) has had an accident that does not result in aggregate damage toproperty in excess of two thousand dollars, provided that any policysurcharge shall be permissible for any accident which results in bodilyinjury or if the insured has more than one accident in the merit ratingexperience period. Nothing in this subsection shall change the dollaramount of the accident reporting threshold required under paragraph oneof subdivision (a) of section six hundred five of the vehicle andtraffic law.(b) has been found guilty of a traffic infraction under any of theprovisions of the vehicle and traffic law provided, however, that thisprovision shall not apply to a conviction for a violation which occurredduring the thirty-six month period ending on the last day of the fourthmonth preceding the month of the effective date of the policy if suchconviction consisted of:(1) operating a motor vehicle at a speed of more than fifteen milesper hour in excess of the legal limit;(2) operating a motor vehicle in excess of the speed limit, or in areckless manner, where injury or death results therefrom;(3) operating a motor vehicle in excess of the speed limit, orreckless driving, or any combination thereof, on three or moreoccasions;(4) operating a motor vehicle while intoxicated or impaired by theconsumption of alcohol;(5) operating a motor vehicle while impaired by the use of a drug,within the meaning of section one thousand one hundred ninety-two of thevehicle and traffic law;(6) homicide or a-sault arising out of the use or operation of a motorvehicle, or criminal negligence in the use or operation of a motorvehicle resulting in the injury or death of another person, or use oroperation of a motor vehicle directly or indirectly in the commission ofa felony;(7) operating a motor vehicle while seeking to avoid apprehension orarrest by a law enforcement officer;(8) filing or attempting to file a false or fraudulent automobileinsurance claim, or knowingly aiding or abetting in the filing orattempted filing of any such claim;(9) leaving the scene of an incident without reporting;(10) filing a false document with the department of motor vehicles, orusing a license or registration obtained by filing a false document withthe department of motor vehicles;(11) operating a motor vehicle in a race or speed test;(12) knowingly permitting or authorizing an unlicensed driver tooperate a motor vehicle insured under the policy;(13) operating a motor vehicle insured under the policy without avalid license or registration in effect, except when the personconvicted had possessed a valid license or registration which hadexpired and was subsequently renewed, or during a period of revocationor suspension thereof, or in violation of the limitations applicable toa license issued pursuant to article twenty-one or article twenty-one-aof the vehicle and traffic law; or(14) two or more moving violations of any other provision of thevehicle and traffic law;(c) has had a temporary suspension of a driver's license pending ahearing, prosecution or investigation or an indefinite suspension of adriver's license which is issued because of the failure of the personsuspended to perform an act, which suspension will be terminated by theperformance of the act by the person suspended, or has had more than onesuch temporary or indefinite suspension arising out of the same incidentissued against him or her, provided that the foregoing provisions ofthis section shall not apply if such suspension or suspensions has orhave not been terminated on or before the effective date of the policy;or(d) with respect to a non-commercial private passenger automobileinsurance policy, has had an accident while operating a commercialvehicle in the course of employment and in the discharge of theemployee's duties at the time of the accident, unless the accident isdetermined to have been caused by the intentional action or grossnegligence of the insured.* NB Expires July 1, 2023

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FAQs: Consumer Questions About No-Fault | Department of Financial Services

Answer: Regulation 68 requires that "in the event of an accident, written notice setting forth details sufficient to identify the eligible injured person, along with reasonably obtainable information regarding the time, place and circumstances of the accident, shall be given by, or on behalf of, each eligible injured person, to the applicable No-Fault insurer, or any of their authorized agents, as soon as reasonably practicable, but in no event more than 30 days after the date of the accident, unless the eligible injured person submits written proof providing clear and reasonable justification for the failure to comply with such time limitation."

You should file your claim with the insurance company which covers the car in which you were an occupant (either as passenger or driver) or, if you were a pedestrian, with the car that struck you. If you do not know the vehicle that struck you or if the vehicle was uninsured, you may file a claim with the insurer of a household family relative who had an auto policy at the time of the accident. If there was no auto policy in the household, you should file a claim with the Motor Vehicle Accident Indemnification Corporation (MVAIC). Additional information on MVAIC can be obtained on their web site www.mvaic.com or you can contact them by telephone at (646) 205-7800.

Answer: When the basic No-Fault benefits are consumed, you may apply for Additional No-Fault (Additional PIP) benefits either from the vehicle you occupied or any auto policy of a related member of your household. Additional PIP is an optional coverage which is usually not expensive. If no Additional PIP benefits are available, you may make a claim to your standard health insurance to pay for your medical expenses. You may also be eligible for Federal Social Security Disability benefits. In addition to the above, you can also sue the party responsible for the accident, in order to recover the costs that you paid which exceed your policy limit.

Answer: If you are the operator or passenger of a motorcycle involved in an accident, you are excluded from No-Fault benefits (you may sue from first dollar loss). If you were a pedestrian struck by a motorcycle, you should file a claim with the insurer of the motorcycle. If it is not insured, then you may file the claim with the insurer of a household family relative who had an auto policy at the time of the accident. If there was no auto policy in the household, you should file a claim with the Motor Vehicle Accident Indemnification Corporation (MVAIC).

Answer: You may sue another driver if he or she caused the accident that injured you and you sustain a "serious injury". Section 5102(d) of the New York Insurance Law describes various conditions that meet the definition of "serious injury".

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Applying for Auto Insurance | Department of Financial Services

Category: Insurance Law

It is important to ask any questions you have as well as disclose all relevant information requested on an application even if it results in a higher premium. You may question the agent, broker or insurer about its practice with respect to non-renewal of policyholders and the insurer's surcharge policy. When obtaining a policy, ask the insurer about its guidelines on non-renewals and their relationship to any collision or comprehensive claims you may submit. It might make sense to choose a higher deductible, which would reduce the number of claims made, since only amounts over the deductible would result in a collision or comprehensive claim under your policy. It should be noted that all auto accidents, regardless of the amount of damage, must be reported to your insurer as required by your policy provisions. Please be aware that many insurers consider your credit history in the underwriting process, with regard to accepting or rejecting your application, or in the determination of your rating tier (if the insurer has a "multi-tier" rating structure. However, the Insurance Law prohibits an insurance company from rejecting your application solely on the basis of credit information. See below for more information on uses of credit information.

An insurer may cancel a new policy (not a renewal policy) for any reason not contrary to New York Insurance Law by mailing a notice within the first 60 days. This termination period for cancellations permits insurers the time and opportunity to verify any underwriting information on a brand-new risk, in order to confirm that it wants to insure you. If your policy covers you for physical damage (comprehensive or collision) the insurer must inspect and photograph your vehicle to use for comparison purposes if future damages are claimed. This inspection is usually waived in the case of a brand new vehicle. Failure to comply with mandatory inspection requirements will result in a suspension of physical damage coverage for the period of time that the vehicle remains uninspected. There is no cost to you for this inspection.

In addition, an insurer is entitled to cancel any policy mid-term if it discovers any fraud or material misstatement made in the application for the policy. Discovery of fraud in making a claim may also subject any person involved to criminal prosecution and/or a civil penalty under the Insurance Law of up to $5,000, plus the value of the fraudulent claim.

Consumers should also be aware that there are computerized systems used by insurers, such as the Comprehensive Loss Underwriting Exchange (CLUE). This system, similar to a credit reporting agency, gathers data from insurers regarding past and present policyholders" claim histories. When an insurer writes or rates a policy, it may request a CLUE report on you. If you discover that information in a CLUE report has been used against you, you may obtain a copy of your report by contacting CLUE at the ChoicePoint Consumer Center at (800) 456-6004. There will be no charge for this report if your request is made within six months of its use by the insurer.

An insurer is not permitted to reject an application for auto insurance based solely on the geographical location of the risk or of the producer. However, an insurer may decline an application based on sound underwriting and actuarial principles reasonably related to actual or anticipated loss experience. There are some insurers that only write in specified regions of the state as specialty or regional insurers. This marketing strategy does not necessarily constitute an illegal practice. However, if an insurer has "carved out" certain sections within larger areas in which they will not write business, this might warrant further investigation and you are urged to bring this to the attention of the Department.

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RE: CALL FOR SPECIAL REPORT PURSUANT TO SECTION …

Oct 28, 2022 · ONE STATE STREET PLAZA, NEW YORK, NY 10004 │ (212) 709-3500 …

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New York Minimum Liability Car Insurance (w/ Lowest Cost) | MoneyGeek.com

Category: Car Insurance Laws

MoneyGeek provides a summary of the car insurance state laws in New York. You will find the minimum car insurance requirements in New York and learn how much coverage you should buy.

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Cancellation and Nonrenewal | Department of Financial Services

Category: Auto Insurance

Mid-term cancellation is not permitted after a new policy is in force for 60 days, or anytime during a renewal policy, except for such limited reasons as revocation or suspension of a driver’s license of any person insured under your policy, non-payment of premium, or discovery of fraud or material misrepresentation. Mid-term cancellations, when permitted, may only be made when a notice is sent at least 20 days prior to its effective date, or 15 days prior if non-payment of premium is the ground for cancellation.

Any cancellation notice must state the reason(s) for such termination. In addition, the law requires any cancellation notice for nonpayment of premium to clearly state the amount due. A senior citizen can elect to have the auto insurer send a copy of any termination notice to a designated party acting on behalf of the senior citizen. If your driver’s license is suspended or revoked, or if you fail to pay your premium when due, your insurer is permitted to cancel your policy mid-term or refuse to renew it. Keep in mind that if you are convicted of driving while intoxicated or impaired through the use of alcohol or drugs (DWI or DWAI), in addition to a minimum $300 fine, the Department of Motor Vehicles will also revoke or suspend your driver’s license.

If you cancel an auto policy before its expiration date, some insurers will calculate the amount of your premium to be refunded on a “short-rate” basis. This means that the insurer will retain a greater portion of the premium than on a “pro-rata” basis which is equivalent to what proportionally represents the expired part of the premium or “earned premium”. This additional cost, on average, is approximately 10% of the unexpired portion of the premium. However, this difference may be greater if the policy is canceled towards the earlier portion of the policy period. This practice permits insurance companies to cover the cost of their administrative expenses on policies that do not run their full term. Alternatively, rather than using the short-rate basis, some insurers now charge a flat cancellation fee in addition to the pro-rata amount. As noted earlier, this extra charge does not apply if you cancel an Auto Plan policy in order to transfer your coverage to an insurer in the voluntary market. It also does not apply if the insured vehicle was declared a total loss, or if the insured person is entering the U.S. Armed Forces.

If a member of the military is called to active duty, they may designate an adult third party to receive bills and other notices related to their insurance coverage. They may also have the option of suspending coverage without any penalties. However, applicable conditions for suspension need to be complied with, such as surrender of registration and plates to the Department of Motor Vehicles.

At the end of each one-year period, the auto insurer must renew your policy for another year, unless it gives at least 45 to 60 days advance written notice prior to the expiration date of its intention not to renew your policy. The notice must specify the reason(s) for the nonrenewal of the policy.

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Nys Auto Insurance 🚗 Nov 2022

Category: Nys Auto Insurance Car Insurance

Nys Auto Insurance - If you are looking for the best deals on car insurance then our service can provide multiple quotes.

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