Coverage Glossary
Basics of Automobile Insurance
Frequently Asked Questions
What is this “Law Enforcement Fee” on my Automobile policy?
The Motor Vehicle Law Enforcement Fee that you see on your automobile policy is a $10 fee per vehicle. It’s part of a NY State program to raise funds for state police officers and combat insurance-related fraud crime.
My home is only assessed for (…), Why does my policy insure the home for more?
Home assessments are a statement of the real estate value of the property. If your insurance policy is a replacement cost valuation policy, then it should insure the amount it would cost to completely rebuild the structure from the ground up in the event of a total loss.