New York auto claims and remote estimating

Request estimating support in New York

Request damage estimating, supplements or desk review for an assignment in New York. We confirm scope, evidence, applicable eligibility and remote suitability before acceptance. Field attendance requires separate confirmation.

• Discuss an assignment or carrier overflow

• Start a claim inquiry

Review Regulation 64 repair and settlement requirements

For claims under your own collision or comprehensive coverage, DFS describes an inspection and good-faith offer within six business days after notice when the vehicle is available for inspection. The insurer must promptly provide a detailed written repair estimate. You retain the choice of repair shop. For a covered total loss, DFS describes actual cash value as retail value plus sales tax, subject to applicable deductions, or replacement with a substantially similar vehicle.

• DFS filing claims under your own policy

Check the total-loss right of recourse

DFS says most vehicle total-loss calculations carry a 35-day right of recourse, measured from mailing of the settlement check. If you cannot locate a comparable vehicle for the offered amount, deliver a letter to the insurer within that period and consult the detailed Regulation 64 requirements. This is not a general deadline for every type of automobile dispute. Insurers may use permitted valuation methods other than a particular vehicle pricing book.

• DFS automobile claim FAQs

Choose the service and evidence for your asset

Send unit identification, current location, damage photographs and the requested scope. Supplements need the baseline estimate and evidence for added operations; desk review needs specific questions.

Heavy trucks, trailers, agricultural or construction equipment, ATVs, boats and aircraft require asset-specific scope and fee confirmation. Auto rules do not automatically govern these assets. Estimating is not a safety, seaworthiness or airworthiness certification.

• Photo and document checklist

• Published standard estimating rates

Estimating, policy appraisal and property valuation are distinct

A damage estimate does not appoint an appraisal-clause appraiser, umpire or adjuster. These roles have separate requirements. We do not decide coverage or guarantee payment.

Home and mortgage valuations require separate credentials, lender ordering and any applicable appraisal-management compliance. This page does not confirm an available real estate provider network.

Send an assignment inquiry for New York

Include the current city, ZIP code, loss location if different, and intended deliverable. We confirm eligibility, fees and service method before acceptance.

• Email general and contract inquiries

• Email supplements

• All-state coverage directory

Sources and scope of this guide

Official sources reviewed November 3, 2026. General information, not legal advice or an exhaustive rules list. Read each source for full conditions. State-page selection does not determine governing law.