Gainesville Auto Insurance in New York

Before buying your Gainesville auto insurance, be sure to compare quotes from different Gainesville car insurance providers. This will allow you to see who's offering the best coverage with the lowest rates. At, we give you a wide range of easy to use tools to receive these quotes in the very least time.

Understanding Gainesville Auto Insurance Coverage in New

If you are a resident of Gainesville, New York and you own a car, you most definitely need to avail an insurance policy from a company that is licensed and authorized to do business in the state. The state of New York requires you to only have insurance coverage issued within the state; otherwise you will not be able to register your vehicle with the local DMV. Minimum requirement for you is to get coverage for Personal Injury Protection, Liability and Uninsured Motorists. These will be discussed in detail in the next paragraphs.

Personal Injury Protection or PIP takes care of medical bills and lost income brought about by injury, with no-fault benefits where the insurance company is required to automatically reimburse or pay. It does not matter who caused the accident. It covers you as a driver, your passenger/s or a pedestrian. This also should cover at least $25,000 and up to $50,000 per person. The basic No Fault auto insurance coverage requires that: in accordance to recognized fee schedules, necessary medical and rehabilitation expenses is paid; the owner will get compensated of about 80% of lost earnings from the employment up to a maximum of $2,000 per month (up to three years from the date of accident); to cover other reasonable necessary expenses like transportation costs to/from medical appointments, up to $25 a day will be reimbursed for up to one year from the date of accident; and the estate of an eligible person for the benefit, but those who died resulting from the accident will receive $2,000 death benefit on top of the basic $50,000 limit.

Then there is liability coverage that protects you if a third party alleges that you are at fault in the accident. It is for bodily injury damage to property. Your insurance provider will make payments on your behalf while also providing you with legal defense and keeping your liability limits. In Gainesville, New York, and across the state, minimum coverage is mandated as:

  • $25,000 for bodily injury and up to $50,000 in case of death by any one person per accident; and
  • $10,000 per accident for damage to property or the other party's car.

Your spouse, however, cannot be covered in this liability unless there is a purchase for Supplemental Spousal Liability.

If the other party is uninsured, do not fret if you have Uninsured Motorists coverage. In NYS, minimum is equivalent to bodily injury limits of liability coverage.

These are the basic requirements if you are a Gainesville resident and you plan to purchase an auto insurance coverage. However, for added protection, and if you can still afford it, do not hesitate to purchase supplemental coverage that is not exactly required by NYS laws.

Local auto insurance quotes in your area can help you compare car insurance quotes for auto insurance coverage in all of the following ZIP codes in Gainesville


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