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New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
Minimum Required Insurance Coverage in New York;
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system, meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
Auto insurance comparison is the key to finding the best New York car insurance rates and we can help you get free quotes online to compare many of the auto insurance companies who provide coverage in New York.
Use the form at the top of the page to get quality car insurance at an affordable rate. Get your free New York auto insurance rate quote now!
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