New York Auto Insurance Quotes

If you've been searching for a place to find comprehensive information about New York auto insurance as well as get price quotes from several insurance carriers, you've come to the right place. You'll find extensive information about New York's liability coverage requirements as well as information on coverage for wrongful death, personal injury protection, and uninsured motorists. Once you understand the minimum requirements for New York car insurance, you can get quotes from carriers that are authorized to conduct business in the state.

New York Minimum Coverage Requirements

New York's auto insurance requirements are very comprehensive and include coverage for liability, personal injury protection, wrongful death, and accidents with uninsured motorists.  All New York drivers are required to carry these types of coverage on all vehicles that are registered in the state.  For liability insurance, the minimum coverage amounts required are $25,000 for bodily injuries for one person in one accident, $50,000 for all bodily injuries in one accident, and $10,000 for property damage per accident.  Uninsured motorist coverage and personal injury protection coverage are also required, as well as wrongful death coverage in the amount of $50,000 for one person per accident and $100,000 for all persons involved in one accident.

Determining Responsibility for Accident Expenses

New York is one of the twelve states that are considered no-fault states.  In many other states, the tort system of determining responsibility for expenses is used.  In these states, the driver who is at fault for an accident is responsible for paying accident expenses.  In New York and other no-fault states, the insurance companies of covered drivers must pay their expenses regardless of who is at fault in the accident.

New York Proof of Insurance

New York requires electonic and paper proof of insurance when you are registering a vehicle.  For electronic proof, your insurance company must file an electronic notice of insurance coverage with the Department of Motor Vehicles.  Your insurance company must also provide you with two original insurance identification cards.  One should be kept in your vehicle at all times and the other should be taken to the DMV within 45 days of the activation of your insurance policy.  It will be kept on file after you apply for registration.

Penalties for Failure to Maintain Coverage

There are several penalties for driving without insurance in New York.  Your driver's license and vehicle registration will be suspended.  If you are involved in an accident when you do not have coverage, your license and registration will be revoked for one year.  The fine for driving without insurance is up to $1,500 and you will also have to pay a $750 penalty in order to get your license back.