Insurance Library

Automobile

How to Save Money on Auto Insurance

The Role of Agent, Broker or Company Representative

Applying for Auto Insurance

• Application

• Termination Period

•  "Redlining"

• Discrimination

• Factors Impacting Your Auto Insurance Premium
         Age
         Driving Record

Required Auto Insurance

• Coverage

• No-Fault Benefits---Personal Injury Protections (PIP)

• Liability Insurance—Bodily Injury & Property Damage

• Uninsured Motorists Coverage

• Insurance Information and Enforcement System (IIES)

• When You Rent A Car

Optional Auto Insurance

• Bodily Injury Liability

• Property Damage Liability

• Additional PIP (No-Fault) Benefits

• Supplementary Uninsured/Underinsured Motorists (SUM) Coverage

• Collision Coverage

• Comprehensive Coverage

• Medical Payments Coverage

• Accidental Death and Dismemberment (AD&D) Coverage

• Gap Coverage

• Supplemental Spousal Liability Insurance

• Other Coverages

Rating Basis for Physical Damage Coverages

Assigned Risk The Voluntary & Residual Markets

Filing Claims Under Your Own Policy

• Reporting an Accident
• Filing a No-Fault Claim
• Filing a Physical Damage Claim

What about Termination?

• Cancellation

• Nonrenewal

Homeowner

Choosing a Policy

The Cost of Insurance

How Much Insurance Do You Need?

• Evaluating Your Home and Personal Property

• Actual Cash Value or Replacement Cost

• Structure

• Contents

Maintaining Adequate Insurance

• Basic Amounts of Coverage and How to Add to the Basics

• Increased Limits of Liability

• Home Computer Coverage

• Workers’ Compensation Insurance

• Home Day Care Coverage

Problems In Obtaining Insurance

• New York Property Insurance Underwriting Association (NYPIUA)

• National Flood Insurance Program (NFIP)

• Coastal Residents Assistance

Be Prepared for Disasters!

• Is it sufficient and appropriate?
• Are there other exclusions that you should be aware of?
• Are there special deductibles on your policy?
• Are you prepared to prove a claim to your insurer?

• IF YOUR HOME SUSTAINS DAMAGES

What to Do After a Loss

What to Do Before a Loss

Cancellation And Non-Renewals