Frequently Asked Questions
Automobile and Homeowner Insurance/Coverage Questions
Why should I choose New York Central Mutual to be my insurance company?
What are the amounts of basic no-fault benefits?
Why does it cost more to insure a younger driver than an adult driver?
Does NYCM offer insurance for boats?
How can I save money on my insurance premium?
What is no-fault Insurance?
What is an endorsement?
Am I insured when driving out of state?
Why do some cars cost more to insure than others?
What are split limits?
If I own an auto with Collision and Comprehensive coverage, will my insurance apply to the rental of another private passenger auto?
What does "loss of use" mean under Section I Coverage D of my homeowner policy?
Claim Questions
Will a claim affect my rates?
Can my claim for auto damages be denied if the principal place of garaging listed on my application is false?
Do I have to pay an insurance premium after my auto is declared a total loss?
The body shop is repairing my auto. Will my insurance company pay for used or new parts?
If my car is totaled, will I be paid replacement cost?
An object damaged my windshield and I am unable to determine where it came from. Am I covered for this loss?
May I keep my car if it is declared a total loss?
How can I get back my collision deductible when the other driver is at fault?
How soon will my claim be settled?
I have no coverage and am not at fault, why do I have to report the accident?
Should I collect under my own collision coverage or go against the other vehicles insurance policy?
I reported the accident to my agent, why do I have to fill out all these forms?
Why do I have to wait 30 days to receive wage payments?
Will I be getting a W-2 form for tax purposes?
