Frequently Asked Questions

How do I remove a vehicle from the policy?

Return the plates to DMV and get an FS6 (plate return stub). Fax or email us a copy of the stub.

What happens when a car is totaled? Is it automatically removed from the policy?

No, the plates need to be turned into the DMV if not being used for another vehicle.

What is needed to add a vehicle to a policy?

Year, make, model and VIN number.

Do I need insurance to register a car?

Yes, the car needs to be insured and an ID card needs to be taken to the DMV.

Does the registration and insurance need to match?

A vehicle registered commercially needs to insured commercially. A vehicle registered personally needs to be insured personally.

Who can cancel a policy?

The named insured when proper documentation is applied.

Do children qualify as named insured’s on parents policy?

Children will be added as drivers, not as named insured’s.

How do I file a claim?

You can always call your carrier directly, however we encourage you to also let us know as well.  Further, it is important to keep in mind that it is New York state law to report it in a timely manner.

If my vehicle is totaled due to an accident, do I still have to turn in my license plates?

Yes, New York State DMV requires you surrender the plates unless you are transferring them to another vehicle. You will then be given a form called an FS-6 that you can provide to Dorian so we can remove  the vehicle from your policy.

Am I entitled to a rental while my vehicle is at the body shop?

If you have rental coverage on your policy, yes. Your daily allowance may vary depending on the coverage. You will simply need to get a reservation number from the carrier after you have determined where you want to rent the car.

If the accident is the other driver’s fault, will my rates go up?

If the police report and other criteria determine that the other driver is at fault, you can file the claim with the other driver’s carrier so there are no claims on your policy. We cannot, however, promise that your carrier will not raise your rates at any given time.

Do I have to use my insurance companies body shop if they suggest one?

No. You are entitled to use the shop of your choosing.

Do I have to pay a deductible if I file a “glass only” claim?

No. Most policies have glass coverage with no deductible, however, we recommend you double check your declaration pages to confirm the coverage.

What factors can affect homeowners insurance premiums?

The following factors can affect your homeowners insurance premium:

  • Home Features and Characteristics — Your home’s age, type of structure, wiring, roof, garage, etc., can affect your homeowners insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.
  • Location — Where your home is located can change your homeowners insurance premium. For instance, your home insurance rate can be affected if your home is in close proximity to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.
  • Protective Devices  Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your homeowners insurance premium.
  • Personal Factors — What you do can affect your homeowners insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.
  • Claims History — If you have a history of claims on a homeowners insurance policy, you may pay a higher premium.

Am I required to have homeowners insurance if I own a home?

Unlike driving a car, you can legally own a home without homeowners insurance. However, if you finance your home with a mortgage your lender most likely will require you to have home insurance coverage to protect your home in case of damage cause by unforeseen circumstances, such as fires or natural disasters.

If you live in an area that is prone to flooding or earthquakes, your lender may also require you to purchase flood insurance or earthquake insurance.

If you purchase a condominium or co-op, your board may require you to buy condominium insurance or home insurance. Be sure to check with your board to see what type of policy is required.

After you pay off your mortgage, you aren’t required to have home insurance. However, you should keep your home insurance policy active to avoid risking what you’ve invested in your home.

Why should I complete a home inventory?

When you purchase a home and a homeowners insurance policy, you should create an up-to-date home inventory to expedite a claim settlement if you ever need to make one. With a complete home inventory, your insurance company can verify property easier, which makes settling your claim easier. Plus, you can easily verify losses for your income tax return with an updated home inventory.

How do I complete a home inventory?

Start your home inventory by making a list of your possessions, describing each item, and noting the make and model and where each item was purchased. Include sales receipts, purchase contracts and appraisals if you have them, too. Organize clothing into categories for easier reference.

A few home inventory organization tips:

  • Remember to list big-ticket items like jewelry, artwork and collectibles.
  • Take pictures of rooms and important individual items.
  • Videotape your home by walking through it and describing the contents throughout the house.
  • Save an inventory list on your personal computer and store it on a separate disk or drive.
  • Put all your photos, lists and videotape documentation in a safe deposit box.

What’s the difference between canceling and nonrenewing a homeowners insurance policy?

Canceling a homeowners insurance policy and choosing not to renew it are two very different actions an insurance company can take.

Typically, insurance companies can only cancel an active policy if one or all of the following occurred:

  • The policy has been in force less than 60 days
  • You fail to pay the premium
  • You commit fraud or made serious misrepresentations on your application

Nonrenewing a homeowners insurance policy is a decision you or your insurance company can make to discontinue coverage at the end of a policy term. Depending on your state, if your insurance company chooses to nonrenew your policy at the end of the policy term, it must notify you and provide an explanation within a specified time period. You can contact your company’s consumer affairs division if you disagree with the reason or want further explanation.

What parts make up a homeowners insurance policy?

Although homeowners insurance policies differ in their actual structure, most contain the same basic components:

Declarations Page — Usually the first page of your homeowners insurance policy, it typically contains the following summary information:

  • Name and address of the insured
  • Dollar amount of coverage in the policy
  • Description of the insured property
  • Cost of the insurance
  • Name of the insurance company insuring the risk
  • Contact information

Definitions — Explain the meaning of terms used in the policy.

Coverage — Details the extent of protection for both property (house, structures, contents) and liability (bodily injury or property damage to others for which you are liable) in your homeowners insurance policy.

Exclusions — Explanation of what is not covered by your homeowners insurance policy, under both property and liability coverage.

Conditions — Outline the responsibilities of both the insured and insurance company under the policy. Your duties in the event of a loss and also the procedures the company will follow to settle any losses are detailed here.

Endorsements — Riders, amendments or attachments that alter the standard coverage provided by your home insurance policy. If you choose endorsements for your policy, you may pay an additional premium for them.

How much Auto insurance do I need?

Most states require you to carry a minimum amount of Liability insurance and also provide proof of insurance to register a vehicle or renew your license. In the case of an accident, the minimum Liability insurance required by the state may not be enough coverage to pay for the damages that result after an accident. In this case, the driver responsible for the accident may have to pay additional expenses out of pocket. To determine how much Auto insurance you need, consider:

  • The value of your assets
  • How and when you drive
  • What you drive

How much Auto insurance does my state require?

To ensure everyone on the road is covered in case of an accident, most states require drivers to carry a minimum amount of Liability insurance, or establish financial responsibility in some other way. Drivers must also have the ability to provide proof of insurance to register or renew a driver’s license. This is the case for cars, trucks, motorcycles, and commercial vehicles.

How can I compare Auto insurance quotes?

Looking for Auto insurance quotes can be confusing. When you get an Auto insurance quote from us, we will guide you every step of the way to help you choose the amount of insurance that you determine to best fit your needs. We can also compare rates with other top companies in just minutes to see who is offering the best price.

What can I do to lower my Auto insurance costs?

While there are a number of factors that contribute to the cost of your premium, there are some things you can do to help reduce it. The car you drive will greatly affect your premium. To lower your Auto insurance costs, you may consider switching automobiles and driving a safer, slightly older, or less valuable vehicle. The more your vehicle is worth, the more it can cost to insure it. If you don’t want to change cars, you can modify your vehicle to make it safer or lower-risk by adding anti-theft devices or features like anti-lock brakes. In addition, selecting a higher deductible and ensuring that your coverage doesn’t lapse may help you keep your Auto insurance costs down.

If you don’t want to change or modify your car, you can also consider changing your driving habits. Your driving record is one of the most important factors considered when determining your premium. You can also try cutting down on the miles you drive and bundling your insurance policies to save you money.

What kinds of discounts are available for Auto insurance?

We offer a variety of discounts: homeowners, good students, drivers who own cars with air bags, drivers who own two or more automobiles, defensive driver course and more.

Do I receive a discount for bundling my Auto insurance with other products?

When you purchase a number of different insurance products,  we offer a discount for bundling to help you keep more money in your pocket.

Why do Car insurance premiums change?

Auto insurance premiums change for the same reasons that the price of other goods and services you buy change.

Insurance companies incur the same costs you do in buying goods and services, and these costs can ultimately affect your insurance premium. Costs affecting the ultimate price of Auto insurance include:

  • Medical costs to treat injuries
  • Auto repair costs
  • Costs to adjust claims
  • Inflation
  • Uninsured drivers (your policy pays when the other driver doesn’t have an Auto insurance policy if you purchase Uninsured Motorist coverage)

Although insurance companies can’t directly control these costs, they are regularly monitored  to see how they are affecting the costs of the claims that are paid. As they change, auto premiums must be adjusted. These costs can affect your Auto insurance premium whether or not you individually have had an accident or claim.

Changes you make to your Auto insurance policy or coverage may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your Auto insurance.

Why did my Car insurance premium increase?

Most drivers know that tickets and accidents can raise your Car insurance premium. But even if you haven’t been in an accident or received a ticket, there are other factors that can still affect the cost of your Auto insurance.

Making a change to your policy can have an impact on your Auto insurance rate. For instance, adding a driver will likely increase the cost of the policy, especially if the new driver is a teenager. Moving to a new residence may also affect the cost of your policy – depending on the rate of traffic accidents, thefts, and vandalism claims in your geographic area, this can affect your premium either negatively or positively. Your premium may also increase if you’ve recently switched vehicles. The more your vehicle is worth, the more it will cost to insure. However, automobiles with features like anti-lock brakes, airbags, and anti-theft devices may lower your premium.

What can I do to keep my Car insurance premiums low?

In order to keep your Car insurance premiums low, you could consider driving a safer, slightly older, or less valuable vehicle. If you have a high premium but don’t want to change vehicles, you can also opt for a higher deductible and be sure to keep your policy from lapsing to keep costs down.

The easiest way to keep your rates low without changing vehicles or spending money is to maintain a safe driving record. Avoid moving violations like speeding and reckless driving. Ultimately, remember to drive the speed limit, drive cautiously, and buckle up – this will help you avoid getting ticketed, which will leave a mark on your record that typically lasts three years in most states.

What deductible should I choose?

The higher the deductible, the lower the premium – but the more you’ll pay out of pocket in case of a claim. The lower the deductible, the higher the premium – but the less you’ll pay if you have an insured claim.

Does the kind of car I drive influence my Auto insurance rates?

The car you drive can have a substantial impact on your Auto insurance premium, especially the amount you pay for your comprehensive and collision coverage. The insurance rates for comprehensive and collision coverage are determined by looking at the type of vehicle loss history – how often it is stolen, and how costly it is to repair or replace after an accident.

What can I do to control my Auto insurance rates?

  • Bundle another policy, like your Homeowners policy.
  • Insure more than one car to qualify for multi-car discounts.
  • Insure your boat, motorcycle, or RV to earn additional discounts.
  • Drive safely, drive less often, and maintain a clean driving record.
  • Raise your deductible.
  • Drive a reliable car with standard safety features like air bags, anti-lock brakes, and electronic stability control.

Still Have Questions?

We’re here to help! If you didn’t find an answer to your question, you are welcome to call us at (914) 747-1181, or use our handy contact form to submit your questions.