No they do not. There has to be a police recorded report for the DMV to pick it up. If it was a fender bender between 2 parties, with no police involved, it wouldn’t get to the DMV. However, the insurance companies loss WILL report it to C.L.U.E. (Comprehensive Loss Underwriter Exchange) which will show up. When changing insurance companies, they ALL go a C.L.U.E. check and want to know what happened in the incident.
(We’ve had $25 reported on a C.L.U.E., $121 mirror on a C.L.U.E, $75 towing on a C.L.U.E…….they are all there!)

Insurance follows the car, so even if you are not insured, the insured car you are driving is covered. As far as cheapest coverage, deal with an independent insurance broker, who can shop your insurance for you (often with 7–10 different insurance companies.

I would guess NOT because there is a service called C.L.U.E. (Comprehensive Loss Underwriter Exchange) that all insurance companies subscribe to. My guess is that is where Carfax probably pulls their information from. No insurance company would report directly to Carfax.

When it no longer has a good book value and you can afford to fix your car yourself. Usually about 7–8 year old vehicles stop having the resale value but use Kelly Blue Book or similar website to look up values.

​You can but most likely your insurance company won't change their mind. Another option is to buy the car back from the insurance company. If you believe the damage is repairable, then buy it back from them and fix it. It does become the property of the insurance company once you accept the totaled settlement, so you would then have to negotiate a buy-back.

We have a referral reward program, where we sent our clients, friends and partners, FREE PIZZA! Send over your friends, neighbors, relative's to us (no purchase necessary), we well do our best to help them and YOU get Free Pizza.

We cannot tie it to any sale of insurance but just spreading our name gets you a reward! We love sending out as many as we can, so send us your friends and neighbors. Probably 70% of the time we can help straighten out their insurance (wrong company, wrong coverage) but 30% of the time, we say "stay where you are"!

We believe in "no-pressure" selling but helping our friends understand the risks they face and how best to insure that risk. We hope we can help one of your friends!

To wake up with a smile on your face, a new day to begin and knowing you have clients to care for. Sometimes we forget why we have a business, why we should be grateful. We (and ME) should wake up with an attitude of Gratitude, that we do have a steady amount of clients to care for.

You and me should never think we have "made it" because life is an ever growing, learning, daily experience. I want to wake up each and every day with gratitude. Thankful I have a business and clients that need me. Thankful you are reading my blog. Thankful for another day to make a difference.

​Gratefully!

S.U.M. means supplemental uninsured or underinsured motorist coverage. When you buy auto insurance in New York, you are required to protect the driving public against your causing an auto accident - that is what your liability limits are for, the other driver.

What most people are NOT aware of is S.U.M. limits are to protect you against other at-fault drivers, who carry either little or no insurance (it lapsed?). So this is a way to protect you & your family against other drivers carrying low limits of insurance. It is a way for you to collect on your own insurance policy.

What drivers me crazy is when I see prospects or auto insurance policies that have the minimum NY State limits of $25,000 per person/ $50,000 per accident for S.U.M. Mr or Mrs. Insurance broker, why are you protecting them with high liability limits for other drivers and not themselves? You should always, always match your S.U.M. limits to your liability limits or your insurance person isn't doing their job. In reality, that is how you can judge if they have your best interest in mind or their own loss ratio (thus bonus money).

That was horrible what happened to the poor homeowners last night off Elmwood in Buffalo. Unsuspecting garages being torched by some sick individual for what?

Luckily, homeowners insurance should cover it all, since 10% of the homeowner insurance goes to cover other structures, like a garage. So if the house is insured for $500,000, then the homeowner will have $50,000 coverage on the garage.

Unfortunately, the auto's inside the garage would be a separate claim on their car insurance, as they are never covered by homeowner/garage insurance. It was lucky that no one was hurt in this awful series of incidents.

Smart phones are great to have, especially when you are involved in a car accident. Snapping pictures and maybe having a video too, is great for proof for the insurance adjuster. Anytime you can add documentation to a claim, it helps speed up the process.

Some insurance companies really want to get the claim handled quickly and be on to the next one. They don't really want to drag out the claim and have it sitting on their desk. Using the smart phone you have will go a long way to help settle the claim quickly!