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F.A.Q.s

Claims

My car has been damaged in an accident but I do not have collision coverage. How do I obtain a police report, find out who the other party’s insurance company is and locate them to file a claim? Get Answer

What is a police report? Get Answer…

How do I identify the insurance company? Get Answer…

Where do I obtain the company contact information? Get Answer…

How to report an accident? Get Answer…

Where can I receive general New York State DMV Information about accidents? Get Answer…

I would like to report an accident and file a claim by fax. How can I do this? Get Answer…

 

Payments

How do I make a premium payment online? Get Answer

 

Helpful Info

What are the driving safety tips that could save your life? Get Answer

What are the advantages of having an Insurance Broker? Get Answer…

What are the fees that a customer must pay to the broker on account of his services? Get Answer…

 

My car has been damaged in an accident but I do not have collision coverage. How do I obtain a police report, find out who the other party's insurance company is and locate them to file a claim?

Answer…

This information is provided to assist our customers that have been in an accident and either do not have coverage for damage to their vehicle or otherwise choose to pursue the damage with the insurance company of the other vehicle.

This information will help you identify the insurance company of the other vehicle(s) involved in the accident as well provide you with the contact information and other useful information.

  1. Police Report
    The police report will provide you important information such as the identity of any other insurance companies. If you do not have the police report, you may obtain the report by visiting the New York State Department of Motor Vehicles at: https://harmonia.dmv.state.ny.us/AccidentSales/index.cfm.
  2. Identifying the Insurance Company
    Once you have the police report, you can identify the insurance company by locating their 3 digit code. This code is in a box titled Ins. Code located about 1/3 of the way down the page on the same line as the Plate Number, State of Reg. and Vehicle Year and Model. There will be a separate code for each vehicle. For a sample police report showing where the insurance code is click here. Once you have the code, use this link to the New York State Insurance Department’s website to locate the insurance company that corresponds with this code: http://www.ins.state.ny.us/dmvindex.htm.
  3. Obtaining Contact Information on the Company
    Once at the department website, you can also find the companys contact information or select this link to be transferred to this information: http://www.ins.state.ny.us/dmvindex.htm.
  4. Reporting of Accident
    If you are in an accident, you are also required to complete a document known as an MV-104. If you do not have this form, you may obtain it by selecting this link: http://www.nydmv.state.ny.us/forms/mv104.pdf.
  5. General New York State DMV Information if You Have an Accident
    For more information provided by the New York State Department of Motor Vehicles on what to do if you have an accident, select this link: http://www.nydmv.state.ny.us/dmvfaqs.htm#accident.

 

How do I make a premium payment online?

Answer…

Click here for instructions.

 

What are the driving safety tips that could save your life?

Answer…

Vehicle Occupant Safety Tips

Safe Driving Tips

Conclusion

By following these few life saving safety tips, you can help reduce the number of accidents and injuries that occur everyday on our roads. You will also help keep your insurance premium at the lowest rate possible.

 

What are the advantages of having an insurance broker?

Answer…

An insurance broker solicits and negotiates policies of insurance, and is the representative of the customer and not of the insurance company. The broker will therefore work to save the customer as much money as possible on an automobile insurance policy, and will otherwise be protective of the customer’s needs. The broker’s loyalty to his customer is a key factor to consider in the process of procuring a policy of insurance. The parameters of this relationship will clearly yield the most benefits to the customer. For this reason, it is highly advantageous for a customer to utilize the services of an automobile insurance broker.

 

What are the fees that a customer must pay to the broker on account of his services?

Answer…

Generally, a broker earns a fee, known as a commission, from the insurance company and not from the customer once the policy is bound. However, brokers are also authorized to collect additional fees for the broker’s services. A customer must evaluate the broker’s fees, if any, against the potential savings on the insurance policy as a result of the broker’s considerable efforts.

 

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