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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
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
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
Auto insurance and split households
Addresses common questions when a vehicle is owned and insured independently by a resident relative. 2 pages
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
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
Auto policies split by divorce
New York Department of Financial Services correspondence dealing with automobile liability coverage when divorced spouses are involved. 4 pages
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
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
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
Named nonowner policy
An in-depth resource kit on the purpose and application of the Named Nonowner Coverage endorsement. 4 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
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
Who is really driving Miss Daisy?
This document discusses issues surrounding undisclosed operators as it relates to personal auto policies. 3 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
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
A fresh new 2018 Personal Auto Policy
Offers an overview of the changes made to ISO’s PP 00 01 policy form. 2 pages
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