New York requires everyone who wants to drive in this state to hold down their own liability car insurance policy. For each person it is mandatory to have liability auto insurance, no-fault car insurance, and uninsured motorist coverage. The liability insurance is supposed to cover the injuries or death to those involved in the accident and property damage takes care of damages to the other person’s car. With no-fault insurance coverage it doesn’t matter whose fault the accident was, each person submits claims to their own insurance company.
The liability limits for New York drivers include:
- $25,000 for the injuries to a single person
- $50,000 for the injuries to more than one person who is involved in the accident
- $50,000 to cover expenses for the death of one person
- $100,000 for the deaths of more than one person in an accident
- $10,000 for damages to the other person’s car.
Liability insurance will only take care of the injuries or death of the other people who were injured in the car accident. You need different coverage that will cover your own injuries or damage to your vehicle.
Besides the minimums listed above you may want to add collision when you look for your New York auto insurance quotes, this is the coverage that will pay for the damage to your own car. Comprehensive coverage pays the damages to your own car from anything other than an accident and collision pays for the damages to your own car. Comprehensive coverage includes theft of the car or vandalism.
You must provide proof of insurance if you are stopped by an officer of the law. It is against the law for you to drive without this insurance. If are driving without auto insurance your license may be suspended, you may have to pay a fine and your registration may also be suspended.
If you are unable to get car insurance because of an extremely poor driving record you may be able to qualify for the New York Automobile Insurance Plan. If you qualify an insurance policy from newyork-insurance.website you will be assigned to you that will cover the minimum amounts required, the uninsured motorist’s coverage and the no-fault liability. You may purchase this insurance in higher amounts if you would like to. The price for insurance of this kind is a last resort as it is much more expensive than any other insurance policies available. Companies involved in this program must make this type of insurance available to you for at least 3 years.