ny police report insurance codes

You can download and complete two copies of the Police Collision Report (Request for Copy of Collision Record), and either mail them to the precinct of occurrence or drop them off in person at the precinct. The fact of the matter is, the accident still happened, regardless of whether or not there's a police report. Waterdrop internally tests a ChatGPT-like . Dont try to handle your accident on your own. If a parked vehicle or other property is damaged, or if a domestic animal is injured, you must locate the owner or contact the police. Published 01/07/2013 04:00 PM | Updated 08/03/2018 09:32 AM . The website provides additional information about auto insurance in New York State. While this ranking might provide information to consider when choosing an insurance company, it should not be your only consideration. 4th Offense - $200. Co. Encompass Property And Casualty Insurance Company, American Alternative Insurance Corporation, Attn: Consumer Services Fl 25 S CNA Plaza, Carol Fuller, CPCU, Supervisor Reg. To determine if you are required to submit an MV-104 to DMV, please refer to the DMV guidelines below: If you are in an accident, you must stop and exchange information with the involved drivers. Call the traffic division of the local law enforcement agency that responded to the scene of the car accident, pay the administrative fee (which is usually around $15), and you should have no problem obtaining a copy. Website accessibility practices and procedures, If the insurance company tells you the vehicle was not insured on the date of the accident, see. The code 989 if used in NJ police report refers to Unitrin Preferred, contact info 1-877-252-7878. If you continue to use this site we will assume that you are happy with it. Verify that the code here matches the code entered in Boxes 17 and 18 on Page 1. If you do not have all required information, seethe Records Request Navigator. It is a crime to leave the scene of an accident that causes personal injury or death. Merchants & Business Mens Mutual Ins. 10-2 Return To Your Command. This form can be found online at dmv.ny.gov/forms/mv104.pdf, or at your local precinct or police service area. 1. If a police report is not available, complete theReport of Motor Vehicle Accident(MV-104). . 9/16" from top of this overlay. We can work with you and help set the record straight. Codes detail location, roadway conditions, traffic control, pre-accident actions, safety equipment, vehicle type and damage, injuries, and county hospitals. Hi! Learn more State of New Jersey Police Crash Investigation. Recoveries always depend upon the facts and circumstances of each case, the injuries suffered, damages incurred, and the responsibility of those involved. Insurers with the fewest upheld complaints per million dollars of premiums appear at the top of the list. Motorists requesting a copy of an MV-104A submitted by a police department other than the New York State Police should follow the instructions contained in paragraph above entitled, For Collisions on all Other Roads or contact the investigating police agency directly. Request a Collision Report You can also request a collision report online using the Collision Report Retrieval Portal. It does not include complaints sent only to insurance companies. The search is free. We use cookies to ensure that we give you the best experience on our website. 10-6 Standby. Which Vehicle Occupied. Hi! Enroll in the Donate Life Registry to become an organ donor. Home; . This code sheet is used to decipher the New York motor vehicle accident report. Hi! PDF Crash Reports Auto Liability If the insurance company denies coverage, you must request a denial of insurance letter. DMV can search for and provide insurance information for vehicles registered in New York State only. The New York State Department of Financial Services website (www.dfs.ny.gov)provides a list of New York State auto insurance company codes. The code 989 if used in NJ police report refers to Unitrin Preferred, contact info 1-877-252-7878. Insurance Code 999 on NYC Accident Report My question involves insurance law for the state of: NYI am looking to make a claim on the insurance of an at-fault party that did damage to my car (sideswipe). 23-79-155(a)(2)). 10-7 Verify Address/Location. 10-3 Call Dispatcher By Telephone. This includes your name, address, drivers license number and exact date and time of your accident. However, this page goes into greater detail about this section devoted to the codes for various types of injuries marked in these three columns on Page 1. The location of the insurance company 3-digit code is circled on the sample Police Accident Report (MV-104A). Automated Records Access for Businesses and Government, DMV Electronic Voter Registration Application. See asample accident report with the location of the insurance code identified. Knowing how to read your crash report is crucial to ensure you know what you're looking at and how your insurance company may interpret it. If a person is injured or killed, immediately notify the police. Accredited Surety and Casualty Company, Inc. So yes, you can still file a car insurance claim to get compensation with no police report. Pay close attention to the number written in this box by the investigating police officer. What these codes mean can be found here on this page. Car accidents that result in injuries that require hospitalization are a serious matter. at *7 (citing Ark.Code.Ann. This important section in your accident report contains information about the injuries that occurred in your crash. The Port Authority of NY & NJ - Motor Vehicle Crash Report Code Sheet (08-09) SIGN IN TO DOWNLOAD THIS DOCUMENT This code sheet is used to decipher the motor vehicle accident report from the Port Authority of New York and New Jersey. This video overviews how to identify the other . This document can be confusing due to all the different codes, symbols and abbreviations. Because the ranking includes all of the auto insurers in New York, some must be at the bottom of each years list even if every company is performing well. The DMV does not try to determine fault in an accident. You need to understand what your report says - and how to set the record straight if it's wrong. Wiki User. Study now. 137 pinelands insurance co rrg, 1501 wilson blvd, ste 1110 (comm only) inc arlington, va 22209 138 rampart insurance co 90 broad st, 25th fl (comm only) new york, ny 10004 139 encompass property and one meridian blvd. Requests cannot be processed by mail at this time. Ny Police Report Insurance Codes Garages operated by the hospital in just minutes to ny insurance ever fail to Five Prophet The Obligations Of Obliged Definition Sentence Pdf Particles Manual Solution University Offer Canada International For Sabbath Death Working Penalty Routine Tax Notifications Deleted App Bylaws Non Statute Nj Find a PSA by name. Form MV-104 is available online at:www.dmv.ny.gov. Transguard Insurance Company Of America Inc. Utica National Insurance Company Of Texas, Unitrin Direct Property & Casualty Company, American Bankers Insurance Company Of Florida, Allstate Property & Casualty Insurance Company, 685 US Highway 202/206, Suite 301, P.O. Code 989 is a generic code used on NY police reports, which means that the involved party does not have insurance or insurance out of the state of NY. Each large truck or bus has a specific code. The Department of Financial Services supervises many different types of institutions. See Uninsured vehicle for more information. You must include all required information:date of accident, vehicle year and make, and registrants name. Contact us today. Text-Size. Contact us and discover what we can do for you. See Uninsured vehicle for more information. Menu New York's Finest. In all the ways it affects you. Make sure you agree with the investigating officer's assessment of your injury. I'm the NYS DMV Virtual Agent, Click me for assistance. Motor Vehicle Commission (MVC . Complaints typically involve issues like delays in the payment of no-fault claims and nonrenewal of policies. The quickest and easiest way to obtain insurance information if youve been involved in a crash/accidentwith a vehicle registered in New York State, is to search the insurance company code list posted on the Department of Financial Services (DFS) website. Complaints not upheld by DFS or withdrawn by the consumer are not included in the final calculation. NOTE: Company names marked with asterisks (**) are no longer authorized to issue auto policies in New York State and the DMV code info is here for informational purposes only. These codes are available to assist with the reporting and submission of the New Jersey Police Crash Investigation Report form (NJTR-1). Or contact us immediately. If you have questions or need further information, contact the. Consider a career as a police officer, traffic enforcement agent, school safety agent, or a communications technician. Market your services directly to claims adjusters and policyholders. Common Codes: 10-1 Call Your Command 10-2 Return To Your Command 10-3 Call Dispatcher By Telephone 10-4 Acknowledgment 10-5 Repeat Message 10-6 Standby 10-7 Verify Address 10-10 Possible Crime (prowler, suspicious person/vehicle, shots fired, etc.) casualty company of nj wyomissing, pa 19610 no. Report a Crime Concerned residents can be instrumental in the fight against crime. Accident Fund Insurance Company of America, Contractors Bonding and Insurance Company, Transit General Insurance Company of New York, This information is published in cooperation with The New York State Department of Motor Vehicles. Failure to make a right turn from a bus lane. Important update: The New York State Gun Dealer Training is now available. Co.), National Union Fire Insurance Company Of Pittsburgh Pa, Nationwide Property And Casualty Insurance Company, Harleysville Insurance Company Of New York, The Curtis Center Independence Square West, Property And Casualty Insurance Company Of Hartford, State Farm Mutual Automobile Insurance Company, Plymouth Rock Assurance Corporation of New York, Mitsui Sumitomo Insurance Company Of America, Garrison Property & Casualty Insurance Company, Travelers Property Casualty Company Of America, Attn: Consumer Services Fl 25 S, CNA Plaza, Travelers Home And Marine Insurance Company, Travelers Indemnity Company Of Connecticut, 11405 North Community House Road, Suite 600, Pennsylvania Manufacturers Indemnity Company, Pennsylvania Manufacturers Association Insurance Company, New Jersey Manufacturers Insurance Company, First National Insurance Company of America, Fire & Casualty Insurance Company Of Connecticut. You must include all required information: date of accident, vehicle year and make, and registrants name . id no name of insurance company address 1 address 2 address 3 city st zip notes 031 starr indemnity and liability company 339 park avenue, 8th flr new york ny 10022 comm only 033 great american ins co of ny 580 walnut st cincinnati oh 45202 comm only 034 ironshore indemnity inc nsm insurance group 555 north lane, Mission Statement. New York - Police Accident Report Codes MV-104COV (11/13) . Thats why its important to have an experienced, knowledgeable New York auto accident attorney on your side who knows how to read these reports. A range of rewarding and fulfilling career opportunities await you in the NYPD. The New York State Department of Financial Services website ( www.dfs.ny.gov ) provides a list of New York State auto insurance company codes. If you are unable to find the answer to your questions here, check our FAQs. Hosp Code Airbag Deployment 01 Front 07 Other 02 Side 08 Multiple 94 Align with top edge of Report - 9/16" from top of this overlay Which Vehicle Occupied 1 Vehicle 1 B Pedalcycle 2 Vehicle 2 P Pedestrian O Other Position In/On Vehicle 01 Driver 02 thru 09 Passengers Insurance companies use this report to determine fault and make decisions regarding claims, and if the investigating officer is called to testify, the report will likely be the basis for the testimony. Fault has to be determined without a police report in many accident claims. Complaints typically involve issues like delays in the payment of no-fault claims and nonrenewal of policies. New York's Finest. Follow the step-by-step instructions below to design your police report overlay: Select the document you want to sign and click Upload. The Suffolk County Office for the Aging is the designated Area Agency on Aging under the Older American Act. When they don't have access to police reports, insurance companies gather information and evidence from all parties and any available witnesses. New York City Police Department. Radio Signal Codes. The codes include 4 for "Minor Bleeding," 5 for "Severe Bleeding," 9 for "Fracture - Dislocation" and 10 for "Contusion - Bruise." The often small difference between a minor and severe injury can be a big deal when it comes to being compensated by insurance companies. Search. The Port Authority Police Department (PAPD) is proud to serve the region and its people by making sure that every one of the Port Authority's customers, commuters and employees is safe.. Its capabilities range from traditional emergency services to commercial vehicle inspection, from K-9 patrol to aircraft rescue. This pages concerns accidents involving such vehicles, including buses, delivery trucks and 18-wheeler tractor trailers. Sex Crimes Report Line: 212-267-7273; Crime Stoppers: 800-577-TIPS; Crime Stoppers (Spanish): 888-57-PISTA . Pedestrian/Bicyclist/Other Vehicle Vehicle 2 ImproperNon-Working Vehicle View Obstructed/l_imited ICLE Bicyclist The DFS ranks automobile insurance companies doing business in New York State based on the number of consumer complaints upheld against them as a percentage of their total business over a two-year period. The 3 digit insurance company code can be found on your accident report. The Institutes RiskStream Collaborative Announces Recipients of its Leadership and Innovator Awards, Florida Lawmakers Look to End AOB Auto Glass Abuse, Why The Institutes CEO Pete Miller Thinks A Predict & Prevent Focus Will Revolutionize The Way Society Approaches Risk, Total Loss Claims Skyrocket As Vehicle Technology Advances, Deceitful Claims: Class-Action Lawsuit Filed Against Tesla, Musk. 10 codes are the most standardized class of police codes and, in turn, the most easily recognizable. The code 989 if used in NJ. Box 5919, Automobile Insurance Company Of Hartford Connecticut, National Ben Franklin Insurance Company Of Illinois, National Union Fire Insurance Company Of PA (NCR), Progressive Northwestern Insurance Company, Plymouth Rock Assurance Preferred Corporation, Plymouth Rock Assurance Customer Solutions, Allmerica Financial Alliance Insurance Company, Hartford Insurance Company Of The Midwest, North American Specialty Insurance Company, National Liability & Fire Insurance Company, Samsung Fire & Marine Insurance Company Limited, American Family Connect Insurance Company, Privilege Underwriters Reciprocal Exchange, Federated Rural Electric Insurance Exchange, Allmerica Financial Benefit Insurance Company, Travelers Casualty Insurance Company Of America, Nationwide Affinity Insurance Company Of America, Esurance Property & Casualty Insurance Company, Allstate Fire And Casualty Insurance Company, Sompo America Fire & Marine Insurance Company, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Harborside Financial Center, Plaza 5, Suite 2900, Amica Property & Casualty Insurance Company, Travelers Personal Security Insurance Company, Berkshire Hathaway Specialty Insurance Co, Allied Property and Casualty Insurance Company, Main Street America Protection Insurance Company. MS Word [.doc] Rich Text Format [.rtf] PDF format [.pdf] Updated 02/10/23 Insurance Requirements Insurance Company Codes Report Insurance Fraud Insurance company participation guide [pdf] (NOTE: A Report of Motor Vehicle Accident must be filed with the Department of Motor Vehicles within 10 days of a collision if the collision caused damage over $1,000 to the property of any one person. 10-10 Possible Crime. Consequently, some reportsmaybe available within three weeks while others may take as long as six weeks to process. 2nd Offense - $100. For over 40 years, the Aging office has administered federal, state and county programs for persons 60 years of age and older. Those codes can be found here and on Page 1 of your accident form in the box marked Vehicle Type in the row that begins with the box labeled Plate Number. Attorney Reiter has successfully handled many accidents involving buses and trucks in New York City, including pedestrian accidents. The Department of Financial Services supervises many different types of institutions. Code 989 refers to a number of companies The 3 choices I found are : 1) Kemper Ins @ (877)252-7878 2) Unitrin Direct Ins @ (800)437-8394. An accident listed on your driver record does not indicate that you were at fault. Compliance, Fidelity And Casualty Company Of New York, Firemens Insurance Company Of Newark New Jersey, Firemens Insurance Company Of Washington Dc, Greater New York Mutual Insurance Company, Indemnity Insurance Company Of North America, Insurance Company Of The State Of Pennsylvania, Kansas City Fire And Marine Insurance Company, Nationwide Agribusiness Insurance Company, Merchants Mutual Insurance Company (MMIC), Michigan Millers Mutual Insurance Company, Farmers Property and Casualty Insurance Company, New York Marine & General Insurance Company, Farmers Group Property and Casualty Insurance Company, National Fire Insurance Company Of Hartford, NGM Insurance Company (F/K/A National Grange Mutual Ins. Some examples of ICD-11 codes are: 4A44.A1: Granulomatosis with polyangiitis 12 6A70.1: Single episode depressive disorder, moderate, without psychotic symptoms 13 ND14.7: Sprained ankle 14 A complete list of diagnostic codes (known as ICD-11) can be found on the WHO website, making it fairly straightforward to search for various codes. Police Accident Report MV-104COV - New York DMV. Choose My Signature. new york insurance code 639. Information about the cause of your accident can be found here in boxes 19-24 on the right side of Page 1. That's why motorists are wise to gather their own evidence after an accident by taking . Each subsequent offense - $250. In addition, some collisions require the drivers involved to complete and submit a Report of a Motor Vehicle Accident, also referred to as a Civilian Accident Report (form MV-104), to DMV via U.S. Mail. The Exchange of Information form that is issued to motorists by State Troopers at the scene of a collision, in addition to information you personally possess about the collision, are all the information you should need to file the MV-104 with DMV, if required. All forms are in Adobe Portable Document File Format (PDF). Insurance companies carefully examine every single word. Listed below are the NAIC codes for our top 12 best car insurance providers for your convenience: USAA insurance code: 25968 Geico insurance code: 41491 State Farm insurance code:. Select the corresponding State and select the form/code sheet used. Enroll in the Donate Life Registry to become an organ donor. Rows 19-22 are where the officer indicates contributing factors for the collision, which are also indicated by NY police accident report codes that can be found on the second page. The 3 digit insurance company code can be found on your accident report. The website provides additional information about auto insurance in New York State. The New York State Department of Financial Services website ( www.dfs.ny.gov ) provides a list of New York State auto insurance company codes. Bus Accidents and Commercial Truck Accidents. Note:Although all Police Accident Reports completed by the New York State Police are submitted electronically and are generally available within thirty days, there are several variables that affect the time in which the report is available to the public. Automated Records Access for Businesses and Government, DMV Electronic Voter Registration Application. See our Cancellations, Closings and Delays page for more information. DMV Insurance Codes and Company Contacts at DFS. You can request insurance company information with the Records Request Navigator . Explore our accident report guide below. How do you interpret the codes used on a police report? Make sure you agree with the investigating officers assessment of your injury. (Violation amounts are based on violations received in a 12-month period) 1st Offense - $50. The information included in your accident report can significantly influence how much money you receive for your accident. If you do not have or do not know the identification number for the police report, you can provide the date, time, and location . This page explains in more detail the codes for Columns 14, 15 and 16 on Page 1. 06. Our law firm represents clients in all five boroughs of New York (NY): Manhattan, Staten Island, Queens, Brooklyn, and the Bronx, as well as Suffolk County & Nassau County on Long Island, Westchester County, Rockland County, and throughout the State of New York. These codes can be found on this page. Department of Motor Vehicles Website Accessibility Make sure all the information on your accident report is accurate, including your personal information on the first page. Enroll in the Donate Life Registry to become an organ donor. sample accident report with the location of the insurance code identified, Website accessibility practices and procedures. The accident appears on the records of all the involved drivers. These codes include 19 - "unsafe speed," 4 - "driver inattention/distraction," and 2 - "alcohol involvement," to name just a few. All content present on this website is owned by Jonathan C. Reiter Law Firm, PLLC and is not to be used or curated for any other purposes or by any other parties without permission. I would recommend one to try this | by Ia F | Medium Write Sign up Sign In 500 Apologies, but something went wrong on our end. Page 2. There are three variants; a typed, drawn or uploaded signature. Insurance Codes Insurance Codes Published In Insurance Codes Archives No archives to show. Matching up the correct codes for each box can be a complicated process. Please note that it may take up to seven business days from date of the incident for your report to be accessible on this portal. New York - Police Accident Report Codes MV-104COV (11/13) SIGN IN TO DOWNLOAD THIS DOCUMENT This code sheet is used to decipher the New York motor vehicle accident report. DMV Insurance Codes and Company Contacts at DFS If the insurance company denies coverage, you must request a denial of insurance letter. Effective 3/30/20 until further notice, to obtain a Motor Vehicle Accident Report, click here. Example : the NYPD uses 994 to indicate that they are self-insured. Each hospital in New York City and across the state has a specific 4-digit numeric code. You have too much at stake to leave your future to chance. Make sure you understand your report. Furthermore, you can sue or be sued over a car accident without a police report. PEDESTRIAN/BICYCLIST/OTHER 1. Wiki User 2012-01-05 16:58:38 This answer is: Post navigation You can search for insurance companies by name or by their 3-digit code. If the accident caused property damage only, then exchange information about your driver license, insurance, and registration with the involved drivers. You can search for insurance companies by name or by their 3-digit code. Visit our Automobile Owners Resource Center for more information on shopping for auto insurance. Here's how to read it: New Jersey Police . Dont delay. Was this answer helpful? State Law requires each dealer to provide this training program to new employees within 30 days of employment, to existing employees by March 3, 2023, and to all employees annually thereafter. City of New York. The form required (MV-198C) to request a copy of the report is available online at: www.dmv.ny.gov. Those with the highest complaint ratios are ranked at the bottom. Join the Claims Pages & Best Pros Service Provider Network starting as low as $9/month! If you know that the vehicles were positioned differently, contact us. Police Accident Reports submitted to DMV by police departments other than the New York State Police may or may not be submitted electronically, therefore, these guidelines may not be applicable. Categories Parking Operators Parking Software Parking Management Companies ALPR Platforms Medical Campuses Towing and Recovery Attorneys Security Private Investigators New York StateDepartment of Motor Vehicles, Insurance Information and Enforcement System, Accessibility & Reasonable Accommodations, Travelers Property Casualty Insurance Company, Ace Property And Casualty Insurance Company, Encompass Home And Auto Insurance Company, Great American Alliance Insurance Company, Call Center/Allstate Claims Administration, American Casualty Company Of Reading Pennsylvania, Attn: Consumer Services, Floor 25 South, CNA Plaza, Stillwater Property and Casualty Insurance Company, American Guarantee And Liability Insurance Company, American Family Connect Property and Casualty Insurance Company, Travelers Casualty Company Of Connecticut, Old Republic General Insurance Corporation, Customer Relations Department C1-36 Hartford Plaza. Proving Fault Without a Police Report. Many of the boxes on Page 1 contain special numeric codes. Hi! New York DMV | Sample Police Accident Report Alert Print Sample Police Accident Report The location of the insurance company 3-digit code is circled on the sample Police Accident Report (MV-104A). Published Answers. Non-Injury Collision Frequently Asked Questions. Since 1917, the New York State Police have served the people of New York State with the highest degree of fairness, professionalism and integrity. Code 989 is a generic code used on NY police reports, which means that the involved party does not have insurance or insurance out of the state of NY. You can download and complete two copies of the Police Collision Report ( Request for Copy of Collision Record ), and either mail them to the precinct of occurrence or drop them off in person at the precinct. Personal Injury Attorney - New York City, Manhattan, Queens, Brooklyn, Bronx, NY. In addition, all the involved drivers and the police must file accident reports with the DMV. Wiki User 2012-01-05 16:58: . You can search for insurance companies by name or by their 3-digit code. . Supervision by DFS may entail chartering, licensing, registration requirements, examination, and more. State Police at Work. NJ Insurance Codes Page 1 of 11 CODE NAME OF INSURANCE CO PHONE PAIP - NJ Personal Auto Insurance Plan 800-652-2471 . Make note of the codes entered by the officer in Column 15 on Page 1, a section devoted to the Type of Physical Complaint. The codes include 4 for Minor Bleeding, 5 for Severe Bleeding, 9 for Fracture Dislocation and 10 for Contusion Bruise. The often small difference between a minor and severe injury can be a big deal when it comes to being compensated by insurance companies. I'm the NYS DMV Virtual Agent, Click me for assistance. Youth Programs. If the motor vehicle accident occurred at Stewart International Airport, the request must be made to the New York State Police through the DMV . This page is available in other languages. 3rd Offense - $150. Otherwise, insurance companies might question if you or other people were actually hurt in your accident. Some of the codes include 2 for Alcohol Involvement, 5 for Driver Inexperience, 8 for Fell Asleep, 9 for Following Too Closely, 19 for Unsafe Speed, 28 for Aggressive Driving/Road Rage and 31 for Texting. The complete codes for boxes 19-24 can be found on Page 2. Make sure the officer's diagram of your accident is accurate. This occurred in Brooklyn. Codes detail location, roadway conditions, traffic control, pre-accident actions, safety equipment, vehicle type and damage, injuries, and county hospitals. It is also a crime under New York law to leave the scene of an accident that causes personal injury or death. Prior results cannot and do not guarantee or predict a similar outcome with respect to any future case. Supervision by DFS may entail chartering, licensing, registration requirements, examination, and more. 156 Greater New York Mutual Ins. Click on the format you would like to display the codes. You will need to include a copy of the Police Accident Report (form MV-104A or MV-104AN). Requests for copies of an MV-104A for collisions investigated by the New York State Police that occurred anywhere in New York State on roads or highways other than the Thruway must be made to DMV. Attorney Advertising 3) Unitrin Specialty Ins @ (800)456-0448 Hope This Helps you. We can help you understand your form and use this information to build a strong case on your behalf. This is the number of people injured in your auto accident. Car accidents in New York City can be extremely complicated. I'm the NYS DMV Virtual Agent, Click me for assistance. name of ins company address notes File form MV-104 with the DMV no more than 10 days after the accident. Research the Law Official State Codes New York State Laws New York Vehicle and Traffic Code New York Traffic Laws State Traffic Laws 994 means the vehicle is self-insured by the company it is registered to. DMV will perform the search and respond to you by with your selected delivery method. Details matter. Large insurance companies doing a lot of business typically generate more complaints than smaller companies, so while ratios may allow you to compare small companies with large companies by looking at complaints as a percentage of premiums written, only one or two additional upheld complaints per year can have a significant impact on a smaller insurer.

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