Roy Albert Mura's Answers

Car repair without going through insurance

Fax or email the estimate to the towing company. Get written confirmation if you can that they agree with the estimate and amount. Ask whether they will allow the collision shop to direct bill. If they won't (and that may tell you something about how earnest they really are about paying for your repairs directly rather than running the accident through their insurance), pay for the repairs yourself and present the paid invoice as soon after the repairs as possible. Make sure your agent...

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New York State Insurance License

The answer is probably yes, unless the NYS Insurance Department regards a 20-year-old felony firearm conviction as something that reflects negatively on one's trustworthiness to act as an insurance agent, which would be a stretch, in my opinion. See the link below for some general information regarding NYS insurance agent licensing with a felony conviction.

Insurance Law - NY,NY

You may want to start by checking out the NYS Insurance Department's webpage for agents and brokers.

Mortgage & Insurance

The answer probably depends on the terms of your mortgage agreement. Check to see whether it makes any provision for casualty or property loss payments. Some mortgage agreements give the mortgagee the exclusive right to choose between applying the insurance proceeds to reduce the mortgage debt or allowing the mortgagor (you) to use the proceeds to restore the collateral (fix the property). New York doesn't have any statutes controlling this question, so the answer would be determined by...