Minimum Car Insurance Requirements in New York
The minimal bodily injury liability coverage requirements in New York are :
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
Bodily injury indebtedness coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state police requires are $ 25,000 for the injury or end of a single person involved in a car accident and $ 50,000 for the injury or death of multiple persons. indemnity providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy restrict. Damages above the policy limit of $ 50,000 are your province.
The minimum property damage liability policy requirements in New York are :
- $10,000 property damage liability per accident
property wrong indebtedness coverage pays for any property that you damage in an accident. The state of matter of New York requires $ 10,000 for the minimum. You ’ ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. once again, any damages above the $ 10,000 are your responsibility .
- $50,000 personal injury protection (PIP) per person per accident
New York is a no-fault state, so Personal Injury Protection ( besides called no-fault insurance ) is a mandatary coverage for all drivers. New York PIP covers you, your immediate class, and your passengers for economic losses, aesculapian costs, and death benefits regardless of defect. The state requires $ 50,000 for the minimum.
What happens if a driver hits you without policy or enough insurance to pay for your damages ? The express requires uninsured motorist coverage and underinsured motorist coverage :
- $25,000 uninsured/underinsured motorist bodily per person
- $50,000 uninsured/underinsured motorist bodily per accident
uninsured motorists bodily injury pays your aesculapian expenses if you ’ re injured by a hit-and-run driver or matchless who has no policy. Underinsured motorist bodily injury pays your aesculapian expenses if you ’ re hit by person who does not have high enough policy limits to cover your costs.
New York DMV Information
many New York DMV services can be completed on-line, such as renewing your driver ’ randomness license and registration, paying tickets, and getting a copy of your criminal record. If you need help titling your vehicle or completing another in-person service, there are DMV offices located throughout the state of matter that can assist you .
Public Transportation in New York
New York has a comprehensive network of subways, buses, and trains. In New York City ’ s Metro, the biggest transit system in the nation, approximately two million people rode the underpass each day in 2020, despite lower numbers due to the pandemic. Statewide, about 28 percentage of residents rely on public passage to get to work. In most parts of New York, it ’ s possible to get around without a drive vehicle. however, if you do decide to use a car to get around, you ’ ll need an active indemnity policy to avoid breaking the law .