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New York State Superintendent of Insurance Gregory V. Serio, in collaboration with the National Association of Insurance Commissioners (NAIC), is encouraging consumers to get smart about their coverage during ‘Get Smart About Insurance Week’, January 20–24, 2003.

"Get Smart About Insurance Week prompts us to advise that all New Yorkers review their insurance policies to ensure that you and your family are properly covered. Consumers should take this opportunity to make certain that they have the affordable, comprehensive insurance coverage they need and the Insurance Department is your best resource for all insurance-related questions and concerns," said Serio.

The Department offers various publications and services to aid New Yorkers. The consumer hotline is 1-800-342-3736. The guides for consumers include:

"Our guides, Web sites and consumer representatives are important resources that I urge consumers to utilize to help get smart about insurance," added Serio. "Insurance is an essential element in everyday life that secures our standard of living and the stability of our families as well as our property rights. Taking this time to ensure proper coverage will provide consumers with a feeling of security that if adversity strikes, their insurance policy is there to help them with their financial recovery."

In addition to utilizing the Department’s resources, here are some steps consumers can take to get smart about their insurance coverage:

  • Consumers should know what kind of coverage they need before they shop around.
  • Schedule a routine "check-up" with your insurance providers at least once a year.
  • Inquire about the cost benefit of opting for higher deductibles.
  • Ask specifically about discounts for good driving records, good health, good grades, special education or training.
  • Shop around for identical products and services. Not every company charges the same rate.
  • Remember an insurance policy is a legal document. Read it carefully.

The Insurance Department encourages New Yorkers to obtain copies of the consumer guides which are available on the Department’s Web site at or by calling 1-800-342-3736.

Consumers can access more information about "Get Smart About Insurance Week" through the NAIC’s Get Smart Hotline toll-free at 1-866-SMARTWEEK, or visit to request a free brochure and get information on what they need and should expect from insurance coverage. Also available on the NAIC Web site is an interactive quiz allowing visitors to gauge their level of "insurance smarts."


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