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@abhishek If you have an umbrella, that works. Check your umbrella policy to make sure that your primary policy(ies) meet the underlying requirements. As an example, if your umbrella requires your HO to be at least $500K, and you only have $300K, then in the event of a large claim, the...

@abhishek My gut feeling is that your Coverage A is undervalued. Construction costs are way more than you probably think. I also feel that personal liability should be no less than $1 Million.

@raytheon Nope, you owe the money. You can always negotiate a settlement, particularly if you are in a position to make a lump sum payment. Next, increase those limits.

@henrysamuel No.

@henrysamuel Yes, your claim will be denied.

@mmtb34 Ripped off? Ummm, no. That’s a pretty darn good price to me.

@anotherwalker You can transfer the plates to a replacement vehicle. If plates are returned to the DMV, be sure to get - and hold onto - an FS-6 receipt.

@dave56786 This really isn't an insurance issue. Good luck.

@anotherwalker You most definitely CAN get insurance, though it may cost more than you want to pay. Call an independent agent/broker. You may have to use the NYAIP (assigned risk) which you cannot access on your own. In NY, if you have plates you MUST carry insurance. If you sell your vehicle...