Insurance Info

     Legal Stuff
     General Info
     Insurance Company Locators
     Types of Coverage
     Premiums & Claims
     NYS Specific

Legal

StreetDelivery is the Internet Master Directory of street intersections, driveways, and addresses for general liability, property loss, risk assessment, and vehicle impact services. Quickly access and explore locus details with instant information. Reduce claim cycle times, increase productivity, expedite the decision process, and lessen the amount paid out in indemnity. Next business day turnaround is included in the price. Used mostly by insurance companies, but our personal injury law firm uses them and loves the service!

FIND UNKNOWN EXCESS LIABILITY INSURANCE POLICES!  MedLegal Research Group  – Do you have a case where the value of the injuries exceed the policy limit?  The MedLegal Research Group specializes in tracing defendant’s liability insurance policies. Their specialized investigative service is provided on a no-find no-fee basis to plaintiff’s attorneys nationwide.  This is probably the most important service for your practice.  In fact, once their service becomes widely known, it could be malpractice not to use it.  You can call Justin Clapick there at 1-800-253-9022, tell him you were referred by HURT911.

ALLSTATE TRAINING MANUAL 

How to Effectively Use Examinations Under Oath – for insurance claims representatives

 

General Info

Insurance and Risk Management Terms International Risk Management Institute, Inc.(IRMI).

Glossary of Insurance Coverage Terms – National Association of Insurance Commissioners

Glossary of Insurance Coverage Terms – AM Best

Glossary of Insurance Coverage Terms

ClaimsPages.comThousands of free claims resources for claims professionals.

Depreciation Calculator Depreciation computes the depreciated value of an item, given the item’s age and replacement value..

Minimum Insurance Levels in every state.

Guide to Automobile Insurance

Annual Ranking of Automobile Insurance Company Complaints (NYS)

Filing A Claim Yourself on Your Own Automobile Insurance Policy in NYS

 

Insurance Company Locators

Insurance Company Claims Filing Telephone Numbers

State Insurance Commissioners Websites and Phone Numbers Find the Department of Insurance for any state.

 

Types of Coverage

Umbrella PoliciesDo I need one? Umbrella FAQs

The most IMPORTANT & LEAST EXPENSIVE coverage:  SUM

Required & Optional Automobile Insurance Coverage Information (NYS)

Auto Insurance Basics What your auto insurance policy terms mean.

No-Fault & MedPay.  Do you need MedPay coverage?

List of No-Fault Insurance States: AutoInsuranceInDepth.com 

 

Premiums & Claims

What is a C.L.U.E. (CLUE) report – C.L.U.E. is an acronym for Claims Loss Underwriting Exchange and the report includes claims-information generated by LexisNexis®, a consumer-reporting agency. It is similar to a credit report. A C.L.U.E. report contains up to seven years of your personal auto and property claims history. You can only view your own C.L.U.E. and you can not get a copy of someone else’s C.L.U.E. report. Only insurance companies can view someone else’s C.L.U.E. report. You are entitled to one free C.L.U.E. report each year. Additional reports can be ordered for $19.95 each.

How to request a C.L.U.E. report

Order both your auto and property CLUE report at the same time. It takes about 15 business days for you to receive it in the mail.

Why request a C.L.U.E. report?

Check for inaccurate information or claims belonging to someone else that could make you pay higher premiums.

If you find mistakes, contact LexisNexis Consumer Center at 888-497-0011. They’ll verify your information with the reporting insurance company and notify you of the results within 30 days.

If LexisNexis refuses to change the information you reported, you can add an explanation to an item in your C.L.U.E. report that will show in all future reports.

How to Lower Your Insurance Premium Bill

Think 3 Times Before You Pay Your Insurance Bill a Day Late!

How Your Credit History Affects Your Auto & Home Insurance Premiums

Difference Between Cancellation and Non-Renewal of Auto Insurance – Insure.com

Difference Between Cancellation and Non-Renewal of Auto Insurance – Insurance Information Institute

Auto Rate Increases After an Accident How much will my premium increase after an accident?

Protecting Your Insurance Settlement from Your Health Care Provider

OEM Parts Know your rights.

Claim Denied: How to Deal With Health Insurers – by US NEWS & World Report

Unfair Claims Settlement Practices ActHow it can help you.

Insurance Dispute Services HealthCareAdvocates.com.  If you’ve ever been denied coverage/payment, access to a specialist or you’ve been turned down for a medical procedure by your health insurance, you need Healthcare Advocates Insurance Disputes Services. Our team of professionals will work on your behalf to help you get the care you require. And if you’re covered by a PPO, traditional indemnity plan, Medicare or MediGap, we’ll also be there for you to handle problems of non-payment, being dropped from your health plan, outstanding charges, bills that were incorrectly sent to you, and charges that should never have been made.  As Seen On: Peter Jennings, CNNfn, Wall Street Journal, NY Times, Forbes.

 

New York State Specific:

NYS Insurance Department

NYS Insurance Fund Workers Compensation & Disability claims

Directory of Insurance Companies Regulated in NYS

DMV Insurance Codes and Company Contacts by Insurance Company Name or Number