Car insurance requirements in New York
It’s important for residents to know car insurance requirements in New York. The following are the coverage types and limit amounts required for auto insurance in New York; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection.
- Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident (supplementary liability limits of $50,000 per person/$100,000 per accident required for injuries resulting in death)
- Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $10,000 limit
- Uninsured Motorist Coverage to cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – $25,000 limit per person/$50,000 limit per accident
- Underinsured Motorist Coverage to cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – Grouped with uninsured motorist coverage
- Personal Injury Protection to cover medical or funeral expenses if you and/or your passengers are hurt in an accident – $50,000 limit