Comments on: Auto/Car Insurance Coverage Laws Explained – New York State

By: vetal_2007

vetal_2007 — Mon, 21 Sep 2009 06:50:24 +0000

You will have to start a new policy with a new application. You should call around and get another agent. The $200 finders fee is excessive. Our agency used to charge a fee of $20 for new assigned risk policies ONLY because of the large amount of paperwork, low commission and high cancellation rate. We would never charge that on any other policy. Pick up the phone book & call other agents. Call someone that has a list of companies they represent under their name. When you call ask if they charge a finders fee. If they do, call someone else. I was under the impression that "finders" fees are limited. Call the CA Dept of Insurance to find out if they are limited in CA.
You won't be able to avoid a new application but you certainly should be able to avoid a finders fee. Sounds like maybe you had a broker that doesn't represent any companies. Agents get paid on commission from the companies they have an agency agreement with, they don't need to charge insureds additional fees.

By: Jesus V

Jesus V — Mon, 21 Sep 2009 01:24:20 +0000

I recommend you locate a local car insurance agent to help. Since I live in Kentucky I can't suggest an agent in Florida, but here is an website that can help you. http://www.easyautoinsuranceguide.com/Florida-Car-Insurance.html

Good Luck!

By: Irv S

Irv S — Sun, 20 Sep 2009 13:04:53 +0000

Call your insurance company to see if you can add him to your policy or if he would be covered under yours. Each state is different so ask them. And GO DAD!! 87 and an excellent driving record, those 2 things don't usually go together.

By: tazzmainiandevils

tazzmainiandevils — Sun, 20 Sep 2009 09:40:32 +0000

You need to get what's called "Comprehensive" insurance and also what's called "gap insurance" and that should cover it all.

By: Lorraine

Lorraine — Sat, 19 Sep 2009 22:46:19 +0000

Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.

You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney — he or she will almost certainly tell you the same thing.

If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any room left on his liability coverage. If he had minimum liability that's probably been exhausted already. An attorney can help with that part of your claim if need be.

By: Tara H

Tara H — Sat, 19 Sep 2009 18:37:12 +0000

Depends on the company and the state that you live in. Auto insurance is regulated by each state so it can differ from state to state.

Some companies might offer:
-Good student discount (if you have a B or better average, so 3.0 or higher)
-Driver Training discount (if you got your drivers license through an 'on the road' driver training course and got a certificate stating you completed the course
-Some companies offer a book to be completed to make you designate driving goals to make you aware of your driving skills.

If there are 3 cars in the house and 3 drivers in the house, you will probably have to be put as a primary operator of a car, BUT if threre are 2 cars in the house and 3 drivers in the house you could probably be rated as an occational operator of the vehicle.

Just offering some suggestions for you!

Hope this helps. Good luck.

By: Jordan

Jordan — Sat, 19 Sep 2009 17:25:36 +0000

That is steep, I pay about $50/month for Bike. But depends on the bike, and where you live. My bike is 650cc living in L.A.

By: Alex24

Alex24 — Fri, 18 Sep 2009 12:59:57 +0000

You can try:

Freeway Insurance
Esurance
Progressive
The General
Dashers

These are all cheaper insurance brokers. In the end it will mostly depend on the coverage you need, where you live, you're driving record, etc.

Some of the better but more expensive companies are:

AllState
AAA
Farmers
State Farm

By: Sean P

Sean P — Fri, 18 Sep 2009 12:45:31 +0000

Most of the time, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.

Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.

By: rhemares

rhemares — Fri, 18 Sep 2009 07:06:03 +0000

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