New York Insurance

 Supported by Blum, Phil Grummanite Levittown, “says the owner of the insurance premium on his coat has improved a little bit but this year - $ 844 from the previous year to 907 dollars.

But there was a snag: its share for the damage caused by the hurricane. And he is not happy. “I think, if it is in the action of the threat, it is worth taking the risk,” Blum, 62, said of the industry.

Then there are the 65 years of Hauppauge Dennis Sheridan, a retired hardware responsible for the installation of Hauppauge, reducing the premium to its owner by a reduction in its report: from enough to replace the entire house just enough to the $ 125000 mortgage outstanding balance. But she told her company would decrease the premium of only $ 80 per year - from $ 1158 is it for this year. “They are not moving,” he said.

The two men, and the other in New York, to pay much more for homeowners and auto insurance, according to some consumer organizations. Well, forecasting the state of New York’s self-consultation, the third highest, according to New Jersey and Washington, DC, there will be this year, after four years of relative stability.

About the only “good” news is that the insurance companies to regulatory authorities estimate premiums are homeowners stable, after rising for many local landowners on what is said, increases the chances that statistically Long Island is an important reason for the hurricane.

But the Consumer Federation of America, New York, said paying too much for auto and home insurance and within the insurance group from the scene, J. Robert Hunter, the arguments documented in a report by the Consumers Union and the New York Public Interest Research Group.

On average, the study said, the typical American family $ 870 too much for the two types of insurance in the past four years. The payment amount is higher in New York, where the premiums are usually higher, “said Hunter.

At the same time, he noted that the industry has earned $ 67 billion during the last years of profits.

New York State paid about $ 1100 on average during 2005 to ensure that each car - the latest figures available, and she loves low, as it pulled down by falling prices for hinterland by the National Association of Insurance Commissioners.

The panel said that the average New York, the owner pays $ 850 per year for their homes in 2005, but that was before Hurricanes Katrina and Rita, the sharp increase in premiums in other coastal regions. As a country, the average premium of $ 767 this year.

But in a letter to Hunter on March 31, Gerald Scattaglia, assistant chief of the National Agency insurance office property department, wrote: “The Ministry continues to monitor the profitability …” Insurers say prices are profits low in comparison with other sectors over time.

Because the rates were flat to down since 2003 as a right of the insurer and the implementation cut down on fraud, insurance costs from an estimated $ 30 billion per year. Now, say officials, the losses are again rising, in part because the fraud appears to be still growing - not unusual when the economy goes acid.

Insurers must consent of the State to the automatic increase in rates. Mike Moriarty, Deputy Superintendent of the building, he advises issues of the Section this year, so far, more automobile insurance, the costs for consumers.

“We see larger numbers,” he said.