Car Insurance Requirements In New York City

Owning and driving a car in New York City can be a very expensive venture.  This is due to the expenses associated with driving a car.  Some of these expenses are registration costs and monthly parking fees.  Because of this, many people choose to either take the public transport system or leave their cars uninsured.  In New York, it is illegal to drive without car insurance New York and like many other large cities; New York Car Insurance has its own insurance requirements.

The first insurance requirement that drivers in New York need to be aware of is that there is a minimum limit that all drivers must have.  If the drive does not insure their car for the minimum limit, they will not be able to register their car and get license plates.  This minimum limit includes personal injury protection.  This part of the insurance will pay out if there is an accident and medical care is needed.  Personal injury protection will cover medical expenses and loss of earnings for the driver, the passenger or pedestrian that was injured in the accident.



The insurance must cover each passenger, driver or pedestrian for at least fifty thousand dollars each.  Liability insurance is also required, as it will protect the driver from paying out for any damage that is done to the property of the other party.  The state of New York also requires that drivers have coverage for uninsured drivers in case the insured person gets into an accident with a person who either has no insurance or is under insured.

Liability New York Car Insurance is the minimum amount of coverage needed to operate a vehicle. These requirements are basic. Liability insures the operator of the vehicle if they are found to be the cause of the incident. Liability helps cover the other individual but it will not help pay for car damage or bodily injury of the driver at fault.