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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Personal auto
1994 ISO personal auto policy revisions
A comprehensive overview of revisions made in the 1994 ISO Personal Auto policy including off-road vehicles, temporary substitutes, electronic equipment and much more. 2 pages
1998 ISO personal auto policy revisions
Overviews 19 changes made to the ISO Personal Auto policy with an in-depth explanation of each. 6 pages
A fresh new 2018 Personal Auto Policy
Offers an overview of the changes made to ISO’s PP 00 01 policy form. 2 pages
Auto insurance and split households
Addresses common questions when a vehicle is owned and insured independently by a resident relative. 2 pages
Auto policies split by divorce
New York Department of Financial Services correspondence dealing with automobile liability coverage when divorced spouses are involved. 4 pages
Difficult-to-insure vehicles
A comprehensive listing of the most difficult vehicles to insure in New York state. 3 pages
Facing the owner-who-is-not-the-named-insured dilemma
Overviews the dilemmas created when a vehicle is not insured in the owner’s name. 2 pages
Factors impacting physical damage coverage premiums
An explanation of the rating symbols and how they are used in determining premiums along with a symbols chart. 2 pages
Interpreting the PAP furnished car exclusion
This discussion of denial of coverage for a furnished auto provides two argument scenarios for the ISO policy’s B.2 and B.3 exclusions. 2 pages
ISO 2005 PAP undergoes mostly cosmetic changes, but ...
Discusses the substantive revisions made to the ISO Personal Auto Policy (PP 00 01 01 05). 3 pages
Named nonowner policy
An in-depth resource kit on the purpose and application of the Named Nonowner Coverage endorsement. 4 pages
New Hampshire Insurance Department personal auto premium comparison
A detailed insurance premium comparison of personal auto coverage costs in New Hampshire shown by ZIP code and territory. 11 pages
New Jersey auto insurance buyer’s guide
A consumer explanation of auto insurance policy terms, requirements, options and worksheets to shop around for the best rate. 16 pages
New Jersey Department of Banking and Insurance 21-day PIP notification company addresses
Listing of the company addresses that are indicated on the New Jersey identification cards for the 21-day personal injury protection notification. 11 pages
New Jersey’s 2021 auto insurance complaint ratios (released 2022)
Listing of New Jersey automobile insurance carriers by complaints based on 2016 studies. 1 page
New York State Department of Financial Services annual 2020 ranking of automobile insurance complaints
A comprehensive report of complaints filed against New York state-authorized insurance companies and their total complaint ratio. 7 pages
New York State Department of Financial Services Shopping for Auto Insurance
New York State Department of Financial Services offers consumers a guide to explain compulsory auto insurance and optional coverage available, as well as price comparison information. 270 pages
Not your father’s auto risks
From telematics to autonomous vehicles and ride hailing, this resource kit discusses how much the auto insurance market is evolving. 3 pages
Parental liability for a child’s use of an auto
Discusses auto insurance for the resident relative and the parental liability issues when there is a separate policy with another carrier for the relative. 2 pages
Personal auto extended nonowned coverage
An in-depth discussion of the proper use of the Extended Nonowned Coverage—Vehicles Furnished Or Available For Regular Use endorsement. 3 pages
Physical damage coverage for borrowed autos
A comprehensive discussion of coverage applicable under personal auto policies when an auto is borrowed and either the owner is insured or uninsured. 2 pages
Sample customer letter—transportation network companies
This resource kit offers a sample customer letter regarding using your personal vehicle as a Lyft or Uber driver. 1 page
Sample personal-lines automobile change in risk letter
A sample letter advising your policyholders of the need to notify their carriers when they have a change in risk. 1 page
Sample personal-lines automobile step-down provision letter
A sample consumer letter that outlines the personal-lines step-down provision in personal automobile policies. 1 page
Who is really driving Miss Daisy?
This document discusses issues surrounding undisclosed operators as it relates to personal auto policies. 3 pages
Your guide to understanding auto insurance in the Granite State
A consumer piece discussing personal auto insurance underwriting and rating, factors affecting premium, property damage coverage, filing a claim and more. 24 pages