Nov
New York Auto Insurance – Basic Information
New York drivers are required to carry Bodily Injury Liability insurance in the amount of ,000 per person up to ,000 per accident, and Property Damage Liability insurance in the amount of ,000. This level of coverage is often referred to as 25/50/10 coverage. Drivers in the Big Apple are also required to carry Personal Injury Protection coverage of at least ,000 and Uninsured/Underinsured Motorist coverage of ,000 per person up to ,000 per accident.
New York Auto Insurance is considered a “no-fault” state meaning that your insurance company will cover your claims up to a specified limit regardless of who was at fault in the accident. New York also requires drivers to have liability insurance as long as their vehicle is registered, even if the car is not in use. Vehicles must be both registered and covered in the name of the same driver. In the state of New York you need to have your insurance company file an electronic notice of coverage with the Department of Motor Vehicles.