26
`
`subsequently recovered, your insurer must pay for the damage done to the car while missing, the cost of
`
`towing, any reasonable storage charges as well as substitute transportation expenses.
`
`The Insurance Department has issued regulations that require your insurance company to give
`
`you a prompt and fair settlement. These regulations govern the guidelines and time limits within which an
`
`insurer must handle any claims you make, under auto collision and comprehensive insurance, and with
`
`liability claims you make against another driver.
`
`Under these regulatory standards,
`
`in responding to a claim made under the comprehensive or
`
`collision coverages of your policy, your auto insurer must:
`
`0
`
`inspect the damaged vehicle and make a good faith offer within six business days
`
`after receiving notification of the loss, provided!
`
`that your car is available for
`
`inspection. A good faith offer is one that can be backed up with the name of a
`
`Department of Motor Vehicles-registered repair shop that will perform the repairs at
`the insurer's offer;
`
`-
`
`-
`
`promptly give you or your authorized representative a detailed written estimate of the
`cost of repairs;
`
`identify, but only at your request (unless the claim is solely for glass breakage), a
`
`conveniently located auto repair shop that will repair your car at the insurance
`
`company's estimated cost of repair and give you a written guarantee, backed by your
`
`insurer, of the work performed;
`
`-
`
`pay the actual cash value (retail value plus sales tax), which is subject to depreciation
`
`and applicable deductions,
`
`if your car is a
`
`total
`
`loss because it was stolen or
`
`damaged beyond repair, or replace it with a substantially similar car,
`
`in accordance
`
`with governing regulatory standards;
`
`- make payment within five (5) business days after you and the insurer have agreed
`upon a settlement;
`
`-
`
`if your car is stolen, reimburse you for your car rental expenses up to the amount
`
`stated in the policy (some auto insurers issue a policy with optional rental car
`
`reimbursement coverage, which also pays for such expenses when your car cannot
`
`be operated during a covered collision loss); and
`
`o
`
`furnish you with a written explanation of the reasons for delay if your claim has not
`
`been settled within 30 days after the date you notified the insurer of the loss.
`
`With respect to collision and other physical damage claims, your insurance company is required
`
`to obtain from you and your auto body repair shop a "Certification of Automobile Repairs" form, in order to
`
`determine the extent to which your damaged car has been repaired.
`
`If you fail to submit this form, your
`
`loss settlement on a subsequent loss may be reduced.
`
`Page 000034
`-
`
`

`
`27
`
`XIII.
`
`IF YOU HAVE A COMPLAINT OR INQUIRY
`
`If you feel you have been treated unfairly by an insurance
`
`company, insurance producer (agent or broker), adjuster, or any
`
`other licensee of the New York State Insurance Department, you
`
`are urged to bring the matter to the attention of the Insurance
`
`Department by filing a complaint. You may do this by mailing in
`
`the complaint form found in the back of this Guide. Or, by calling,
`
`writing or visiting the Department, you may ask the Insurance
`
`Department to look into the situation.
`
`Our Consumer Services Bureau investigates complaints
`
`by policyholders and claimants against their insurance companies,
`
`brokers, agents or adjusters regarding claims, cancellations, and other issues regarding auto insurance
`
`and other types of insurance. You may write or visit the Consumer Services Bureau at any of the following
`offices of the New York State Insurance Department:
`
` 65 Court Street
`Empire State Plaza
`
`160 West Broadway
`Room 7
`19"‘ Floor
`
`Agency Building No. 1
`
`Buffalo, NY 14202
`
`
`
`Albany, NY 12257
`
`
`
`New York, NY 10013
`
`For No-Fault issues or claims, call the Insurance Department at 212-602-0334.
`
`For general information and complaints regarding auto insurance claims (other than No-Fault),
`cancellations or non-renewals, or if you wish to complain about an insurance broker, agent or adjuster,
`call:
`
`New York City
`Albany
`Buffalo
`All Other Areas
`
`212-602-0203
`518-474-6600
`716-847-7618
`800-342-3736
`
`For information about auto insurance rates, discounts, surcharges, policy forms, or premium
`verification, you may contact:
`
`Property I Casualty Bureau
`New York State Insurance Department
`160 West Broadway
`New York, New York 10013-3393
`Telephone 800-522-4370 or 212-602-0541
`
`Page 000035
`
`

`
`28
`
`XIV. WHAT ABOUT FRAUD?
`
`It is estimated that more than a quarter or even one~third of all auto insurance claims contain
`
`some element of fraud, resulting in higher insurance premiums. Under the Insurance Law, licensees of
`
`the Insurance Department (i.e., insurers, agents, brokers, adjusters) are required to report any suspected
`
`fraudulent acts to the Department’s
`
`Insurance Frauds Bureau.
`
`Through an investigative and
`
`administrative process, the Insurance Department can fine any person involved in the fraud up to $5,000,
`
`plus the value of the fraudulent claim, in addition to any criminal penalties that a court may impose.
`
`In addition,
`
`to help combat; fraud,
`
`the National
`
`Insurance Crime Bureau (NICB) has been
`
`established by the insurance industry. Among other functions, NICB maintains records of vehicles stolen
`
`or damaged, to ensure that fraudulent claims are not made on non-existent or destroyed vehicles. The
`
`Insurance Department requires auto insurers to report all physical damage claims directly to the NICB,
`
`which any person may contact at [T2 800-TEL-NICB (835-6422)] to report fraudulent: claims.
`
`If you have reason to believe that there has been an insurance fraud, you are encouraged to
`submit such information to:
`
`Insurance Frauds Bureau
`
`New York State Insurance Department
`
`160 West Broadway
`
`New York, New York 10013-3393
`
`XV. AUTO INSURANCE PRICES‘: IN NEW YORK.
`
`A.
`
`Auto Insurance Companies Listed
`
`This section contains information and price comparisons to help you shop for auto insurance.
`
`It
`
`contains sample prices from among the 20 leading auto insurers licensed in New Y-ork State, and from the
`
`ten best performing companies in the 1993 annual compllaint
`
`ranking compiled by the Insurance
`
`Department. The Department is in the process of compiling the 1994 annual complaint ranking which will
`
`be published as a supplement to this Guide.
`
`Due to overlap between these three categories, the tables that follow list representative rates
`
`charged by a total of 25 auto insurance companies, plus Auto Plan rates.
`
`In addition, two companies were
`
`omitted for the following reasons: Motors Insurance Company and Executive Insurance Company—which
`
`only write physical damage coverages.
`
`Page 000036
`
`

`
`29
`
`B.
`
`Types of Coverages Listed
`
`The comparative premium tables displayed in this Guide refiect the rates for private passenger
`
`auto liability, No-Fault and physical damage (comprehensive and collision) coverages in selected
`
`territories for the selected insurers. The rates shown are for owners or operators who have been licensed
`
`and have not had accidents or traffic violations for the past three years.
`
`The Appendix I prices represent annual premium charges for these auto coverages (described in
`
`Chapters II and ill of this Guide):
`
`1. Required Coverages (these amounts change effective 1/1/96 - see Chapter II):
`
`A. Bodily Injury Liabi|ity—at $10,000/$20,000 limits, including
`
`$50,000/$100,000 limits in the event of death;
`
`B. Uninsured Motorists Coverage——at $10,000/$20,000 limits,
`
`including, in the event of death, $50,000/$100,000 limits;
`
`C. Property Damage Liabi|ity—at a $5,000 limit; and
`
`D. Basic No-Fau|t—to a maximum of $50,000.
`
`2. Optional Coverages:
`
`A. Comprehensive—for a 1995 car (moderately priced), with a
`
`$200 deductible;
`
`B. Collision—for a 1995 car (moderately priced), with a $200
`
`deductible;
`
`C. Bodily Injury Liabi|ity—the additional cost of raising mandatory
`
`minimum limits to $100,000/$300,000;
`
`D. Property Damage LiabiIity—the additional cost of raising this
`
`coverage from the minimum $5,000 level to a $50,000 limit; and
`
`E. Additional No-Fau|t—the additional cost of raising basic benefits
`
`to a maximum of $100,000 and providing out-of-state coverage.
`
`C.
`
`Rating Territories
`
`The place where you park and drive your car also affects the cost of your insurance. Although the
`
`general concept of insurance is to spread the risk of losses among a large number of people, premiums
`
`are adjusted for smaller sub-groups of risks in certain areas (such as Brooklyn) that will have more similar
`
`experience statistically than that of all the policyholders in a larger area (such as New York State).
`
`Because of its size and diversity, most insurers divide New York State into over 70 rating territories.
`
`In highly congested urban areas, where there is a greater likelihood of auto insurance losses,
`
`rates tend to be higher than for suburban and rural areas.
`
`For example, rates for comprehensive
`
`Page 000037
`
`

`
`30
`
`coverage are higher in urban areas due to the higher rates of auto theft in these areas.
`
`Increasing costs
`
`of payments made under auto insurance claims, including the costs of liability suits, medical expenses and
`legal fees, as well as the incidence of fraud, also contribute to premium costs.
`
`Price comparisons for selected territories are shown in this Guide. Detailed descriptions of
`
`territories can be found in Appendix II, although some insurers utilize different territorial classifications.
`
`The territories used include New York’s most populated areas plus representative cross-sections of
`suburban and rural areas in this State.
`
`D.
`
`Type of Car
`
`As discussed previously,
`
`the cost of your auto physical damage insurance (collision and
`
`comprehensive) varies widely, depending on the make and model of your car. The comparative physical
`
`damage prices shown in Appendix I are for a moderately priced 1995 model (see Chapter IX for examples
`of symbol 5 vehicles).
`
`As discussed in Chapter IX, insurance premiums will generally be higher for cars that have higher
`
`purchase prices or repair costs. Cars that are less expensive or easier to repair will usually cost less to
`
`insure in contrast to vehicles of similar cost and age with poorer repair records.
`
`When shopping for a new or used car, it is best to check with your insurance professional to verify
`
`the cost of insuring the particular vehicle you are considering purchasing.
`
`E.
`
`Differences in Rates Among insurers
`
`There is active competition among auto insurers in New York State. As the tables that follow
`
`show, rates can vary considerably among insurers. The differences in rates are based, among other
`factors, on the specific experience of the particular group of insureds a company insures.
`
`Therefore, it is always a good idea to obtain quotes from several
`get better value for their insurance dollar than those who do not.
`
`insurers. Consumers who shop
`
`F.
`
`Don't Shop for Price Alone
`
`Price is only one of many factors to consider in selecting an insurance company. The price
`
`comparisons listed in this Guide are useful, but keep a number of key considerations in mind:
`
`a
`
`Beyond price, you should also be looking at factors such as insurance company claim
`
`practices, reliability, the services provided by agents, brokers or insurance companies, and
`
`the particular coverages the company offers to meet your individual needs.
`
`o
`
`The premiums shown in the tables are those charged on June 30, 1995,
`
`for new
`
`policyholders. Although the underlying costs of auto insurance -- such as medical costs,
`
`wages and the cost of auto replacement parts -- are likely to rise with inflation, the tables will
`
`tend to reflect relative price relationships among these insurers over time.
`
`Page 000038
`~
`
`

`
`31
`
`The rates for Bodily Injury and Property Damage Liability, No-Fault, and Collision coverages
`
`reflect a discount for a vehicle equipped with anti-lock brakes.
`
`If you are insuring a vehicle
`
`without anti-lock brakes, your premiums for these coverages will be approximately 5%
`
`higher.
`
`The rates for No-Fault coverages include a discount for a passive restraint device, since
`
`any vehicle model year 1990 or later, manufactured for sale in the U.S., must be equipped
`with either an automatic seatbelt or an airbag.
`If you are insuring an older vehicle without
`
`an automatic seatbelt or an airbag, your No-Fault premiums will be 20-30% higher.
`
`The tables do not list all insurers that are licensed to do business in this State. Many other
`
`licensed insurance companies write auto insurance with services comparable to those
`
`companies listed.
`
`Appendix III of this Guide lists telephone numbers for all insurers whose rates are listed
`
`here, as well as for those included in the Insurance Department's 1994 complaint
`
`ranking (with noted exceptions).
`
`A directory of all insurers licensed in New York State is available on request by writing
`
`to the New York State Insurance Department, Research Bureau, 160 West Broadway,
`
`New York, New York 10013-3393, or by calling the Research Bureau at 212-602-0473.
`
`The premiums do not reflect dividends that some mutual insurers may pay to policyholders.
`
`Some insurers do not use classifications identical to those presented in this Guide, while
`
`others may offer only combined single limit policies, or policies with limits varying from those
`
`presented here {see footnotes to rates).
`
`Most insurers have merit rating plans (discussed in Chapter VII) charging higher premiums
`to drivers who are involved in accidents or fined for certain traffic violations, such as
`
`speeding. The low rates of some insurers, after surcharging for an accident, may not be
`
`such a good deal.
`
`The existence of fraudulent insurance claims has an overall impact on premiums.
`
`It should
`
`be noted there is a $1 Motor Vehicle Law Enforcement fee added to your auto insurance
`
`premium for each registered vehicle you insure. This is for a special fund principally
`
`devoted to combating auto theft and fraud in New York State.
`
`Page 000039
`
`

`
`32
`
`APPENDIX I
`
`AUTO INSUIRANCE PRICE COMPARISON TABLES
`
`IN NEW YORK STATE
`
`as of June 30, 1995
`
`PAQE REEEBENCE§ FQR §ELECTED TEBBlTOR|E§
`
`
`
`METROPOLITAN AREA
`
`01
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`Page 000040
`
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