New York Auto Insurance Coverage

Auto insurance coverage is more extensive in New York than in many other parts of the United States because of the high population density that exists. This means that New York motorists should be sufficiently covered to the following mandatory levels:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability
  • $25,000 worth of uninsured or underinsured motorist coverage per person
  • $50,000 worth of uninsured or underinsured motorist coverage per accident
  • $50,000 worth of personal injury protection

New York is one of twelve states that use the no-fault system. Unlike Tort states, areas that apply the no-fault method waive personal responsibility as a means of taking pressure of local court systems and all motorists involved in road traffic accidents ultimately claim on their own auto insurance policies irrespective of which driver is deemed to be at fault.

All New York motorists must have both electronic and paper auto insurance documentation in place when they operate a motor vehicle. Electronic proof is provided once an auto insurance company verifies a policy purchase with the local Department of Motor Vehicles. In turn, proof on paper is usually supplied on a plastic card that is issued when auto insurance coverage is first purchased and this should be kept inside vehicles at all times.

Severe penalties are in place for motorists who fail to keep a valid auto insurance policy in place. As well as being liable to fines of up to $1,500, an additional fee of $750 will be applicable before a license will be reinstated. Violations will also have an effect on any future auto insurance quotes.