New York Auto Insurance

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New York Auto Insurance

New York Auto Insurance Information

New York state law requires Bodily Injury Liability limits of $25,000 minimum per injured person, and up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum of $10,000 in coverage. In addition to this coverage, New York also requires drivers to carry $50,000 in Personal Injury Protection Coverage (PIP) and Uninsured and Underinsured Motorist (UM) Bodily Injury Liability coverage of $25,000/$50,000. New York is a No Fault State, meaning your insurance company will pay damages up to a specified amount regardless of fault.

New York Coverage: 25/50/10
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Personal Injury Protection (PIP): $50,000
Uninsured/Underinsured: $20,000/$40,000

Although 25/50/10 is the minimum requirement for auto insurance in New York, that may not be enough coverage to properly take care of damage, injury, or valuable assets. Finding the right amount of coverage is necessary to insure that you, your family and your assets will be covered in the case of damages from an automobile accident.

New York Drivers License Types
Licenses are issued by “class”, G (graduated), D (operator), M (motorcycle) and A, B, C (commercial). If the class M license is combined with any other class of license, it will be added as an “endorsement” on the back of the current license.

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