All New York drivers are required to have auto insurance when they register their vehicles. The state minimum includes $50,000 for bodily injury or death for more than one individual in an accident and $10,000 for property damage liability. Without insurance, a driver could face fines and penalties along with the suspension of the license. The state is one of the 12 states in the country that has a no-fault auto insurance system. This means that your insurance will cover damages to you and your passengers, as well as damage to property, regardless of who is at fault in the accident. You can still sue other drivers if you are seriously injured or disabled after an accident. Since it is a no-fault state, you need personal injury protection of at least $50,000. This can also sometimes be called no-fault coverage. Uninsured motorist coverage is also required, with a minimum of $25,000.
Just having the minimum amount of insurance may not be enough to protect you if you get into a serious accident, so there are other insurance types to consider. Even though it's a no-fault state, you can still get sued. Comprehensive coverage will pay for your car if it is damaged in an event that isn’t an accident. This covers natural disasters, fire, and theft. Collision coverage will pay for damages to your vehicle if it is damaged during an accident. Comprehensive and collision coverage may be required if you are financing or leasing your vehicle, so check with your lender if you need this coverage. Other optional coverage includes towing and labor, rental reimbursement, medical payments, and extra personal injury protection coverage. There are several different things that can affect your premiums, so an agent at The Wasiczko Agency can help you find the right coverage options for your needs at a price you can afford.
Contact The Wasiczko Agency to get a quote on car insurance today.