First Heritage Insurance Agency Logo

Frequently Asked Questions at Our Huntington, NY Insurance Agency

As an established local insurance agency with an experienced staff, First Heritage Insurance Agency is familiar with the questions people often have about their insurance policies. We provide helpful answers to frequently asked questions about insurance right here on our website, but we encourage you to call us if you have any other problems or concerns.

Frequently Asked Insurance Questions

We take pride in simplifying complicated insurance processes for our clients. From comparing coverage details and selecting a policy to understanding how carriers handle claims, we know that you’ll have questions, so our team is here to help. In the section below, we’ve provided thorough answers to some of the most common insurance questions people ask us.

Don’t See Your Question? Contact Us!

Our team has a diverse range of qualifications, and we use our expertise every day to answer our clients’ questions, address their concerns, and provide them with all of the details they need about their insurance policies. We don’t just sell insurance; we build relationships with our clients. If you need more information or don’t see your question on our list, please call us or fill out our online form, and we’ll help you right away.

Get an Insurance Quote Today

If you’re a resident of Long Island or New York City and need quality insurance coverage at a reasonable rate, First Heritage Insurance Agency is here for you. We offer auto, home, life, and business insurance policies from some of the top names in the industry. We also use up-to-date resources to compare quotes based on your individual needs and budget. We’ll help you compare options and select the best policy for you at our office in Huntington, NY. For a free quote or additional answers to your questions about insurance, call us at 631-659-2889. Hablamos español.

a. LexisNexis Risk and Information Analytics Group provides a comprehensive loss underwriting exchange (C.L.U.E.) report. This report provides the claim histories of individuals that apply for insurance. You can obtain a copy of your report by calling LexisNexis toll free at 1-800-456-6004, or by writing them at:

I. LexisNexis Consumer Service Center, PO BOX 105108, Atlanta, GA 30348-5108

II. Hours of operation are Monday thru Friday 8AM – 7PM

b. From time to time you may be able to change the fault of an accident by providing a loss history report from your insurance company at the time of the accident.

You should contact the NYS DMV Call Center Monday thru Friday 8AM-4:30PM at 518-486-9786.

Insurance companies at the time of an accident will apply a % of who’s at fault for the accident based upon many factors, including a police report. Sometimes the insurance companies will split the fault of the accident even when it shouldn’t be based upon how they pay the claim. As a policyholder you need to make sure that the insurance company marks the claim appropriately at the time of payout.

This is different for every bank or leasing company. It is best to confirm with the proper financial institution that is lending you the money for the vehicle.

Auto insurance scoring takes into account all of the information that is found in your credit score, plus your past auto insurance history. Some of the factors that are taken into account are tickets, accidents, and any insurance claims that you may have filed within a certain time period. These factors are obvious indicators of how risky or dangerous someone is when driving.

Our Hours

Monday - Friday 9 a.m. to 7 p.m.
Saturday 9 a.m. to 3 p.m.
Closed Sunday