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laws and regulations for insurance are complicated and vary from state to state. There are numerous and different types of coverage you choose, whether full liability or personal injury protection. Some Member States require certain types of coverage, while others are optional . New York has some complicated requirements and options, so they can check.

Liability Coverage

Each states require liability coverage, the basic supply, New York included. New York Auto Insurance Laws require $ 25,000, $ 50,000, or 10,000 U.S. dollars in coverage. These figures include bodily injury liability per person, whole-bodily injury per accident and property damage per accident, respectively.

State of New York is another, that they are twice as high as the bodily injury liability limits when the accident results in death, with the limits to $ 50,000 / $ 100,000. Owning a car is expensive in New York City, if you do not see that you do not.

Personal Injury Protection

Personal injury protection or PIP in New York, as well as some other states. It is an advanced form of auto coverage, the medical costs and can be lost wages and other charges.

Medical care

New York is what is called a "no-fault" state. All persons, the New York auto insurance are required in order to preserve. This refers to the insured medical costs, regardless of fault. There is a controversy over this type of reporting, as they usually expensive and is thought to redundant coverage if the insured also regular health insurance.


Uninsured / underinsured motorist coverage

Uninsured / underinsured motorist coverage is in some states, but in New York. This reporting is for the insured, up to the limits they have acquired, if they in an accident caused by another driver and the driver who is uninsured or does not have adequate insurance for the full liability. Another common case that this type of insurance is helpful is in the case of a hit and run.


Other New York Car Insurance

New York State that auto insurance remain in effect while a vehicle is registered, whether or not the vehicle is used. If a vehicle is not used, New York State, that plates are returned to the state of registry to cancel the operation.

New York auto insurance law requires that New York drivers have insurance in the state, from the state insurance is not acceptable. This condition also requires that insurance must be in the same name as the registered owner. Neglecting this requirement to a lapse of insurance and registration to be suspended, the license owners will also be suspended if the disappearance of more than 90 days.

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