Frequently Asked Questions
Automobile and Homeowner Insurance/Coverage Questions
- Save up to 35% on your homeowners policy and 30% on your auto policy with a variety of discounts available.
- 24-hour customer service center ready to answer your questions anytime.
- Payments can be made online with the use of a credit card or checking to make the process more convenient for you.
- 24-hour claim service designed to settle your claim quickly and without hassle. We pride ourselves in the human touch. You will always talk to a person...not a machine.
- The My Account option enables you to check on your account status, submit a payment, submit a claim, and much more!
- We also offer Auto-Pay, making payments automatic and leaving you worry free.
- The Boxcar Billing feature consolidates all your insurance bills into one, easy to pay, statement.
- Advantage Repair Program to get your damaged car fixed as soon as possible.
- All necessary doctor and hospital bills, and other health service expenses payable according to fee schedules established by the New York State Insurance Department;
- 80% of lost earnings up to a maximum of $2,000 per month, for up to three years after the date of the accident; and
- Up to $25/day, for a year, for other reasonable and necessary expenses the injured party has had because of an injury resulting from the accident, such as the cost of hiring a housekeeper or necessary transportation to and from a health provider.