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Here at the Cotgreave Agency we pride ourselves in educating and providing resources to our customers that enable them to protect and grow themselves or their business with insurance in mind. Below are some useful tools and resources that can aid you going forward...  

Business Auto Driver Qualifying -  MVR & License Event Notification Service Source for Employers

LENS & IIX Program

The Law:

The Fair Credit Reporting Act made it illegal for agents to give MVRs to clients for employment purposes. Agents can be fined, lose their license, and/or lose the ability to run MVRs if found to violate these laws. I’m sure some agents are still doing this, but they’ll be caught soon enough.

Below is a message sent from the Professional Insurance Agents association of New York (PIA) about this.

An MVR ordered for insurance purposes may not be used for employment purposes. There are special requirements in the Fair Credit Report Act (FCRA) and the Driver Privacy Protection Act (DPPA) regarding the use and release of such information. A common mistake insurance professionals make in complying with the FCRA is passing the MVR they ordered to evaluate insurability to their commercial clients to make employment decisions. An insurance carrier or agent who does this is in violation of the FCRA.

For the complete text of the FCRA, visit, or of the DPPA, visit uscode/ Information can also be found on under Forms/Information.

The Solution:

If you would like a service to run and screen MVR's for employment purposes, there are 2 options. Both offer up to date monitoring of employee driving records with capabilities of notifying you of any changes in license status or violations throughout employment:


Visit DMV to set up at their web address and phone assistance (518) 486-9786

2. IIX Service 3rd Party Source – FOR NATION WIDE LICENSES

IIX sales at (800) 683-8553, or go to They can set you up with an account to their "Express Net" service, to be able to access MVR information instantly, right on-line through your browser, as soon as your account is established.

PDF Version of Above

Auto Insurance - Dash Cameras for Fleet and Personal Use

Having a dashboard camera can come in handy in many ways. In your personal vehicle or in you businesses fleet of vehicles there are many cases where having a video documenting a certain indecent can be a big help. Our agency has partnered with a retailer of state of the art dash cameras and drive monitoring systems to help provide our customers with an excellent product at a wholesale rate. Below is how to contact the retailer to purchase these dash cam systems... 

Cameras through Rosco Vision Systems can be purchased by contacting Ryan Whelan. Please be sure to reference our account name which is COTGREAVE when inquiring about your camera system.


Their website is and all of their products are listed and shown.


This is a link to the camera that we are suggesting for commercial and personal customers -


Ryan Whelan

Regional Sales Manager


Rosco Vision Systems

90-21 144th Place

Jamaica, NY 11435-4397 USA

T: 631-335-0100

F: 718-297-0323


What to do at the scene of an AUTO ACCIDENT 

Having an auto accident can be very stressful and can leave you feeling a bit scattered. That's why it's important to make sure you and your employees are prepared for post-accident procedures. This 6-step cheat sheet can help make the moments after an accident less stressful and the claims process a whole lot smoother.

What to do at the scene of an AUTO ACCIDENT

1. STOP but do not obstruct traffic.
    *Never Drive away from an accident, even minor.

2. ASSIST any injured and call the Police.
    *Tell the police exactly what happened.

3. EXCHANGE or SECURE the following information:

Names, phone numbers, addresses of other drivers, witnesses or injured persons involved.Make, model, license plate numbers of all vehicles involved.


Make, model, license plate numbers of all vehicles involved.

*Take pictures of driver license(s), insurance card(s), vehicle registration(s) if possible.

4. TAKE photos of the accident scene.

5. REMAIN calm, courteous and consistent in your version of the accident.

6. NOTIFY your employer and/or insurance agent ASAP.

Click here for for printable version of above cheat sheet. This can be printed on bright colored paper, laminated and placed in your vehicle(s) for future reference in the event of an AUTO ACCIDENT. 


Important information on Supplemental Spousal Liability Insurance on Auto Insurance Polices, now mandatory in New York State. 


Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

Per the terms of our online privacy policy we will not resell your information to any third-party.


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Monday - Friday 

8:30 am to 5:00 pm


Saturday & Sunday



Evenings by Appointment


558 Portion Road 

Ronkonkoma, NY 11779


Tel: (631) 981-5400

Fax: (631) 981-5448

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