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  Consumer Information > Insurance
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 After purchasing a life insurance policy, is there a period of time during which I can change my mind and have my money refunded?
 Am I protected by my automobile insurance when I drive a rental car?
 Are my auto insurance rates affected by where I live?
 Can HMOs prohibit doctors from telling their patients about more expensive procedures?
 Can my automobile insurance company raise my premium due to an accident or traffic ticket?
 Does an automobile insurance company have to utilize the Red Book and the NADA Book when valuating a total loss and what is my 'right of recourse'? ?
 Does my employer have to offer me the opportunity to elect continuation of my health insurance coverage?
 How can an Insurance Summons or Service of Process be served?
 How can I determine how much Homeowners Insurance coverage I need?
 How can I learn more about Medicare and find answers to the many questions I have?
 How can I obtain a list of companies that sell health insurance?
 How do I file a No-Fault insurance claim?
 How do I file a report of a suspected fraudulent insurance transaction or activity with the Insurance Department Frauds Bureau?
 How do I find out whether or not an insurance company is licensed in New York State?
 How does the Healthy NY program work?
 How much auto insurance must I carry?
 I am going to a broker to purchase an automobile insurance policy. What should I know or ask to make an informed decision?
 I was involved in an automobile accident and the police report provided a three digit code for the other party's insurer. How do I find out what company is represented by this code?
 I was involved in an automobile accident or loss. How do I submit a claim?
 If I forget to pay my life insurance premium and the policy lapses, is there anything I can do?
 If I make a mistake in completing an application for a life insurance policy, can the insurer void my policy?
 If I pay my annual life insurance premium and then decide to cancel my policy, will I receive a pro rata refund of my premium?
 If I take out a policy loan on my life insurance policy, what rate of interest can the insurer charge?
 If there is a delay in a life insurer paying the death benefit to the beneficiary when a death claim is made, is the beneficiary entitled to any interest on the death benefit?
 In order to purchase life insurance I am told I must have an 'insurable interest' in the person to be insured. What is 'insurable interest'?
 Is my automobile insurance company allowed to automatically include my son/daughter on my policy?
 Must my health insurance plan pay for my diabetic supplies and self-management education?
 My automobile insurance company is rating me based on something (an accident or traffic ticket) that didn't happen. Where does this information come from and how can I correct any errors?
 My automobile insurance policy has been canceled. Can the company do this?
 My insurance company refuses to pay my hospital emergency room bill saying that it was not an emergency. Can they do this?
 My insurer says it won't renew my automobile insurance policy. What can I do?
 On a whole life insurance policy, what happens if the outstanding loans plus interest due exceed the policy loan value?
 Under No-Fault insurance, what considerations are there if the vehicle involved is a motorcycle?
 What additional health insurance will I need when I turn 65 and go under Medicare?
 What are my rights as a health insurance consumer?
 What are the requirements for insurance coverage on automobiles registered in New York State?
 What can I do if I am denied health care services on the basis that the services are not medically necessary?
 What can state government do to help residents recover from flood damages to their properties?
 What discounts can I get on my automobile insurance?
 What do I do if expenses exceed the $50,000 available under No-Fault insurance?
 What happens if I am injured by an uninsured vehicle?
 What happens if I forget to pay my life insurance premium by its due date?
 What happens to a life insurance policy in the event of suicide of the insured?
 What is a Homeowners Insurance policy and what types of coverage does it include?
 What is a pre-existing condition and can it be excluded from my health coverage?
 What is an automobile insurance 'deductible' ?
 What is an insurance adjuster?
 What is health insurance 'open enrollment'?
 What is needed to serve an Insurance Summons or Service of Process?
 What is the difference between 'cancellation' and 'non-renewal' of an automobile insurance policy?
 What is the Oneida Indian land claim dispute about?
 Who can an Insurance Service of Process be served against?
 Why am I in the 'assigned-risk' automobile insurance plan, why is it so expensive, and how do I get out of it?
 Why are automobile insurance rates higher for younger drivers?
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