New York Auto Insurance

New York auto insurance is not only required these days, but also has become a necessity. In the USA, where the rules, though different in each state, are equally strict everywhere and you may land up in trouble in the event of an accident if you do not have the required insurance covers.

Insurance Requirements in the state of New York are as follows:

As per the New York state law, in the event of an accident, you need to pay a minimum of $25,000 per injured person up to a total of $50,000. This is the minimum Bodily Injury Liability (BIL) limit in the state which you may have to pay, that too for each occurred accident. Besides this, the minimum Property Damage Liability (PDL) limit is set at $10,000.

These are the basic amounts you have to cover in case of an accident and this basic coverage is often called the 25-50-10 coverage.

In brief, Coverage limits in New York are as follows:

BIL (Bodily Injury Liability) : $25,000/$50,000

PDL(Property Damage Liability) : $10,000

Under insured/Uninsured Motorist BIL : $25,000/$50,000

Personal Injury Protection (PIP) : $50,000

A No-Fault system is followed in the state of New York. It means that your Insurance company will have to pay for all your injury costs (as claimed) up to a certain limit. It will not matter whether you are at fault or not. The insurance company will have to pay in any case.

This system has its disadvantages as well. If you are not delinquent, then under this system you lose your rights to sue the other party.

The PIP in your insurance cover helps to pay for yours as well as your passengers Medical Expenses up to a certain limit. Hence it is recommended to include PIP in insurance policy.

The New York state law takes care of this and requires a minimum PIP coverage of 50,000 dollars.

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