New York State
James J. Wrynn Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004
|ISSUED 2/15/2011||FOR IMMEDIATE RELEASE|
You drive across what seems to be the Grand Canyon of pot holes seriously damaging your car’s front end. Does your insurance policy cover the cost of the repairs?
That’s just one question being asked as consumers from Buffalo to New York City see their cars take a beating this winter. Pot hole-scarred streets, fallen tree limbs and other snow-related situations have taken a toll on many consumers’ vehicles.
“Consumers can help themselves by understanding what their policy covers and what is excluded from coverage. They should also know that they can turn to the Insurance Department if they need help with an automobile insurance issue they cannot resolve themselves,” Insurance Superintendent James Wrynn said.
Mandatory no-fault, liability and uninsured motorist coverages do not apply to damages to your own vehicle. Claims related to losses to your vehicle can generally be covered by optional collision and comprehensive coverages.
Here are some common ways that insurance can help motorists when winter gets the best of their cars:
Consumers will need to pay any deductibles that apply when filing claims for losses that are insured under the collision or comprehensive physical damage provisions of their policies.
In addition to collision and comprehensive coverages, other optional coverages may be available to help motorists get through the winter. These include towing and labor coverage; extended transportation coverage, which provides rental car reimbursements; and mechanical breakdown coverage. Many, but not all, automobile insurance companies offer these options.
Consumers should contact their insurance company, agent or broker to discuss their specific insurance questions. They should contact the Insurance Department’s Consumer Services Bureau from 9 a.m. to 5 p.m., Monday through Friday toll-free at 800-342-3736 if they need further help. Additional information is available on the Department’s website, www.ins.state.ny.us.