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Property Insurance in New York

April 5, 2016
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Challenges every homeowner faces when buying property insurance in New York

Homeowners are going to face all kinds of challenges when it comes time to purchase the best property insurance in New York – and almost all of them are going to face the same kinds of challenges, as that’s just simply the nature of the beast.

Thankfully though, finding the best property insurance offers in the state of New York is nowhere near as challenging as some people make it out to be when you understand these challenges ahead of time – and understand how to navigate them effortlessly.

We break down three of the biggest bumps in the road you’re going to come across at when purchasing property insurance in New York. Use the information below to more effectively navigate the insurance landscape and get the best deal possible for you!

Knowing that you’re protected for EVERYTHING

It’s absolutely essential that you understand all of the different levels of protection that you are getting when you purchase property insurance in New York.

Make sure that you understand all of the different protections that you want to take advantage of BEFORE you go into any meeting with property insurance agents, and that you clearly outline your expectations in advance.

It’s the best way to know that you’re getting the right protection for everything that you want to be protected in the first place.

Knowing that you aren’t paying more than absolutely necessary

Veteran insurance agents are going to try and sell you absolutely everything and any type of extra coverage they can – and most of them are going to do so under the guise of “helping” you out when really they are just looking to pad their commission.

This dovetails nicely with the tip that we shared above, in that you are going to want to outline your expectations clearly and then stick to your guns when it’s time to sign on the dotted line. It’s the best way to make sure that you aren’t paying any more for property insurance in New York than absolutely necessary.

Knowing that you’re working with the best of the best when it comes to property insurance in New York

Finally, it is vitally important that you choose only to work with the best of the best when it comes to property insurance companies in the state of New York. Read reviews and testimonials online, really get to know your prospective insurance agent, and do a bit of digging to be sure that you’re on the right track when it’s time to buy property insurance in New York. You cannot afford to work with fly-by-night operations, that’s for sure!

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Automobile Insurance in New York

April 5, 2016
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When insurance agents buy automobile insurance in New York, this is what THEY do!

Just like you want to go to the heart surgeon that other heart surgeons go to when they need this procedure performed, you can gain quite a bit from paying attention to how insurance agents go about buying automobile insurance in New York.

Obviously, this kind of information is a little bit difficult to come by if you aren’t in the industry – but this quick guide is going to share quite a bit of inside information with you that isn’t usually available to the general public.

Hopefully you find it advantageous to get the help that you’re looking for as well as the kind of top-tier automobile insurance in New York from at ridiculously low prices that most other people won’t ever have the opportunity to purchase.

Never lock yourself into long-term contracts

The biggest mistake you can make when purchasing insurance – not just car insurance, but any kind of insurance – is to lock yourself into long-term contracts.

Insurance companies are going to promise you the moon and the stars when it comes to protection, policy benefits, and price to get you to sign on the dotted line for a one year contract or longer.  Unfortunately, a lot of those promises are going to be just as intangible as the moon and the stars and you’ll never see them in action.

When you go with six month coverage available, you’re going to be able to enjoy a prepaid discount – but you’re also going to have the flexibility to “jump ship” if you need to so that you can take advantage of the even better offers that you uncover.

Always ask for better prices AND better coverage

While a lot of people don’t think of the process to purchase automobile insurance in New York to be the same as buying a new car, for example, they share a lot more in common than most people realize.

For starters, even the “best deal” that you come across independently is going to be merely a starting point that both parties work off of as far as price and protection are concerned. Everything is negotiable, and when you take this stance you’ll be able to unlock better prices AND better coverage.

Secondly, no matter how coy automobile insurance agents play, they want your business a lot more than you want to do business with them. Use this leverage to get the best deals available or move on to other insurance agents that are willing to meet you on your middle ground.

These are tips and tricks to help you buy the best automobile insurance in New York at prices almost too good to be true.

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Medical Insurance in New York

March 30, 2016
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Every day, the State of New York receives a substantial number of complaints from insured individuals and medical service providers regarding insurance carriers. These complaints are handled by the DOH or DFS and are usually settled in good faith, or at least, as well as they possibly can be. These local government authorities see to it that insurance companies like provide their policyholders or medical partners the appropriate assistance, coverage, or benefits as stated in their contract. Listed below are a few ways to better understand medical insurance in New York.

Understanding Complaints for Medical Insurance in New York

  • Prompt Pay Complaints – These complaints refer to the requests made by either insured individuals or medical service providers regarding the promptness of the payment/assistance they received from their insurance provider. As a general rule, those who issue medical insurance in New York are required to pay undisputed claims made through electronic methods within 30 days or undisputed paper claims within 45 days of receipt. If there is any missing information that insurance providers require, the insurance provider should be able to request these within 30 days of the receipt or claim. Insurance providers who deny claims are mandated to inform their clients 30 days upon issuance of the receipt.
  • Internal and External Appeals – If and when an insurance provider denies the insured their claim, the insured individual can seek the process of an internal or external appeal. These processes can occur simultaneously or one after the other, and involves having the insurance provider look into the claim thoroughly to reconsider the request. Insurance providers are usually requested to either pay the amount specified in the claim, or pay an amount smaller to what is stated.
  • Grievances – These are complaints issued by the insured which include problems or disagreements regarding coverage and benefits, as well as getting referrals to specialists from in-network service providers. In instances such as this, the insurance company should designate at least two people to assess the grievance and to verify whether or not it’s worth granting, or if they’re going to deny the application outright.


When you buy your medical insurance in New York, make sure you buy it from a trustworthy insurance provider to save yourself from the hassle of having to file a complaint. Having your claim might seem like a hassle, but if you understand how to handle denied claims, you can come up with a strategy to get the best results in favor of yourself.

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