Category Archives: Company News

New York Law Allows Insurance Companies to Waive Pre-Insurance Photo Inspections

A significant update to New York’s auto insurance requirements is now in effect, easing a long-standing burden on drivers and insurance providers alike. As of May 15, 2025, a new state law allows insurance carriers to waive pre-insurance photo inspections—a move widely supported by the industry and consumer advocates.

Previously, New York law required many drivers to complete a photo inspection before obtaining comprehensive or collision coverage. If the inspection was not completed within 14 days of initiating a policy, that portion of coverage would be automatically terminated. The original mandate, enacted in the late 1970s, was designed to curb fraudulent claims by ensuring vehicles were not damaged before being insured.

While the intention behind the rule was sound, many in the industry argued that the law had become outdated. With modern advances such as vehicle tracking technologies, VIN etchings, and improved fraud detection methods employed by special investigation units (SIUs), insurers contend that the inspection requirement no longer serves a practical purpose.

The new law, backed by industry groups such as Big I NY, provides a multi-year window—through October 2027—during which carriers may choose to waive these inspections. Several major insurance companies have already adopted the change, and more are expected to follow.

Supporters of the legislation argue that the change reduces unnecessary inconvenience for consumers and small business owners without compromising the integrity of coverage. They also highlight the benefits of a more streamlined, customer-friendly insurance experience. Those in favor of retaining the old requirements maintain that photo inspections continue to serve as a tool in combating fraud and keeping premium rates manageable.

It is important to note that the new law does not alter any existing policies or reduce consumer protections. Rather, it removes a regulatory hurdle that many believe had outlived its usefulness.

For consumers purchasing auto insurance in New York, this change is expected to simplify the onboarding process and reduce paperwork—offering a more efficient path to securing full coverage.

The United States Environmental Protection Agency has announced that March 18th – 24th is “Fix a Leak Week.” As your insurance agency, we find this a good time to remind you that finding and fixing those leaks not only helps the environment but also can help you financially and prevent serious damage to your home or business.

The average household’s leaks can account for nearly 10,000 gallons of water wasted annually; ten percent of homes have leaks that waste 90 gallons or more daily. Common types of leaks found in the house are worn toilet flappers, dripping faucets, and other leaking valves. These types of leaks are often easy to fix, requiring only a few tools and hardware that can pay for themselves in water savings. Fixing easily corrected household water leaks can save homeowners about 10 percent on their water bills.

To check for leaks in your home, you first need to determine whether you’re wasting water and then identify the source of the leak.

Here are some tips for finding leaks:

• Take a look at your water usage during a colder month, such as January or February. If a family of four exceeds 12,000 gallons per month, there are serious leaks.
• Check your water meter before and after a two-hour period when no water is being used. If the meter changes at all, you probably have a leak.
• Identify toilet leaks by placing a drop of food coloring in the toilet tank. If any color shows up in the bowl after 10 minutes, you have a leak. (Be sure to flush immediately after the experiment to avoid staining the tank.)
• Examine faucet gaskets and pipe fittings for any water on the outside of the pipe to check for surface leaks.

February 1st is Car Insurance Day – a day where we celebrate the importance of car insurance!

This day also serves as a reminder for motorists to review and ensure the adequacy of their auto insurance policies. Whether it’s protecting against accidents, theft, or unforeseen circumstances, car insurance plays a crucial role in providing financial security and peace of mind on the road.