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Eisnor Insurance Agency FAQs

Customer Service oriented since 1978

Over 74 Years of Experience
NY State Licensed Broker and Agent
We Handle Paperwork

At Eisnor Insurance Agency, we aim to give the best insurance coverage for your lifestyle. To contact us, fill out our request a call back form today.
Click Here to Request a Quote

Personal Lines Insurance

  • When I am removing a vehicle from my insurance policy, what should be done with the vehicle's license plates?

    You must turn your plates into the Department of Motor Vehicles. You will then get a receipt called FS6T. This you need to give to your insurance agency as proof that the vehicle is off the road. At this time your coverage can be canceled.

  • May I pay on my premium after the premium due date?

    Yes, you have a grace period of approximately five days depending on the insurance company, however, there may be a late fee charged.

  • When renting a vehicle, should I buy the insurance coverage offered by the car rental company?

    If you have automobile insurance protection on your personal vehicles, you do not need to buy extra coverage.

  • If my car is in the shop for mechanical repairs, and I need to rent a temporary vehicle, does my auto policy's rental car reimbursement coverage cover this?

    Rental car reimbursement coverage, if purchased, is only for vehicles that have been in an accident, not for cars experiencing mechanical failure.

  • When my child gets his/her driver's license must I add him/her to my insurance policy?

    Yes. All licensed drivers living in the household need to be listed on that auto policy unless they have their own auto insurance elsewhere.

  • If a tree falls on my property but does not damage anything, is there coverage to have the tree removed?

    No, not on an unendorsed homeowners' insurance policy. There are endorsements available that would include this kind of coverage, up to a certain limit, depending on the insurance carrier.

  • Is there a discount for having both home and auto insurance coverage with us?

    Yes, if the coverage is with the same carrier. This discount would apply to both policies.

  • If I don't receive my bill, can you tell me how much I owe?

    For most companies we do not get copies of your invoices, however, we can usually call the insurance company for the information.

Commercial Lines Insurance

  • What are your hours of operation?

    Monday through Friday 9:00 am to 4:30 pm.

  • When do on-the-job injuries need to be reported for Workers Compensation cases?

    The employer must file a C-2 First Report of Work-Related Accident with both the insurance company and the Workers' Compensation Board within ten (10) days after the occurrence of the accident if:

    1. The employee lost time beyond the regular working day or

    2. The employee required more than two (2) medical office visits for treatment.

  • Is there a charge to add an Additional Insured to my policy?

    Depending on the company a charge may be imposed typically between $25.00 and $100.00.

  • Regarding property insurance deductibles, what is the premium savings associated with carrying higher deductibles?

    The standard deductible is $250. There are typical savings (off the property premium only) for higher deductibles:

    • $500 deductible - 5% savings
    • $1000 deductible - 10% savings
    • $2500 deductible - 17% savings
    • $5000 deductible - 22% savings
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