Rochester Auto Insurance in New York

Driving without a Rochester auto insurance can get you into trouble. It does not only protect you but everybody around you as well. In addition to, the state of New York specifically mandated to have it otherwise. Now, still looking where to get the best rate for your Rochester car insurance? Shop here with our easy to accomplish online form.

Do You Really Need Rochester Auto Insurance in New York?

The city law of Rochester requires every car owner to get vehicle insurance, whether comprehensive or otherwise. The law does not speak of a specific type of insurance, except that each citizen owning a car must be covered for any contingency that may happen. This requirement is based on the state laws of New York which imposes the same thing.

In the state of New York, the government requires every person to get covered for Bodily Injury Liability in the minimum amount of $25,000 to a maximum amount of $50,000 for every person involved in a single accident. In case of Property Damage Liability, requirement is a minimum of $10,000. For resident or nonresident motorists who are uninsured or underinsured, the value limit is a minimum of $25,000 to a maximum of $50,000 - same as the amounts corresponding to physical or bodily injuries. Personal injury security is limited by law to $50,000. Moreover, Rochester applies the "No Fault" system, which simply means that an insurer will pay up regardless of who is at fault. As a consequence, however, you may lose some of your civil rights regarding your right to file lawsuits.

You cannot register your vehicle with the Department of Motor Vehicles in Rochester if you do not get car insurance. This is to compel every car owner to go and buy a policy. If you attempt to have your vehicle registered, the Department will ask for proof that you are insured. For this requirement, you must get insurance from Rochester car insurance companies, or from any other company within the state of New York.

If you have already registered your car and your insurance expires, you should immediately get a new one. Failing to do so and getting into an accident will mean a ton of trouble for you. Not only will you not be able to claim anything since your policy has already expired, you may be issued a ticket or fined. Authorities may have your driver's license suspended or revoked, or your car registration may be suspended. In worse cases, your vehicle's documentation may be revoked by the Department and you will have to go through every single step to have your vehicle registered again.

Getting into an accident without having insurance will cause you to shoulder all expenses out of your own wallet. You also open yourself to civil suits because it is most probable that you cannot pay off the damage caused if the fault is yours. Then again, if there are other people involved and they are insured, you will always get the losing end.

All these are possible consequences if you fail to obtain a vehicle insurance policy. The reason why the government makes it important for you to get one is because of the hazards each driver faces on the road everyday. Getting covered is one you can look out for yourself and your car.

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 Rochester

14683, 14673, 14694, 14692, 14653, 14652, 14651, 14650, 14649, 14647, 14646, 14644, 14643, 14642, 14639, 14638, 14627, 14626, 14625, 14624, 14623, 14622, 14621, 14620, 14619, 14618, 14617, 14616, 14615, 14614, 14613, 14612, 14611, 14610, 14609, 14608, 14607, 14606, 14605, 14604, 14603, 14602.

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