| New York tends to have some of the highest | | | | designed to help keep the costs of claims |
| car insurance rates in the nation. If you | | | | down.New York continues to work on reducing |
| just moved there or are just shopping for New | | | | the opportunities for insurance fraud in the |
| York car insurance, you may be surprised. Why | | | | state. Additional legislation aimed at |
| is it so high?One of the reasons has been the | | | | curbing fraud at medical clinics has reduced |
| high incidences of auto insurance fraud in | | | | the overall losses to insurers in recent |
| New York. Especially just a few years ago. | | | | years in New York. Consequently, New York car |
| "Staged" crashes were common. These would | | | | insurance rates have dropped slightly in the |
| lead to lawsuits and a high rate of claims. | | | | last couple of years.This is good news for |
| Additionally, according to the Insurance | | | | New York drivers. Hopefully the amount of |
| Information Institute, New Yorkers don't | | | | fraud will continue to decrease and car |
| experience any higher rates of bodily injury | | | | insurance companies will continue to drop |
| than other states. However, costs of claims | | | | their rates.You can help by reporting any |
| for medical care are a lot more expensive -- | | | | incidents of insurance fraud to the New York |
| indicating fraud at the clinic-level. | | | | State Insurance Department. You can help |
| Insurers compensate for this fraud by raising | | | | yourself save on your New York car insurance |
| rates. Everybody pays for the actions of | | | | by shopping around. You should get at least |
| criminals.New York is one of the states that | | | | three comparison quotes, and make sure you're |
| has a no-fault auto insurance law. This means | | | | comparing identical coverages.Scott Lunt is a |
| that if a motorist wants to sue for injuries | | | | freelance writer with over 15 years |
| or pain and suffering, there are certain | | | | experience writing insurance-related |
| thresholds that need to be met. This law is | | | | articles. |