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New York Auto Insurance: Higher Limits and More Coverage Required

Written by Todd Clay. Posted in Research Last Updated: 12/02/2017

Drivers in the state of New York have some of the highest mandatory insurance coverages in the nation.

State Regulator Information 800-342-3736 a target=”_blank” href=””>
Insurance Premium Avg. Annual Premium: $ 1,352 National Average: $1,318
Mandatory Car Insurance Coverage Bodily Injury Liability:$25k/50k
Property Damage Liability: $10k
Fatality Liability: $50k/100k
State of New York Map for Insurance

Once you live within the New York border your insurance requirements increase tremendously.

Each state that drivers live in have their own separate mandatory insurance coverage that they have to have. Some states have no bodily injury liability required, but instead require personal injury protection coverage. Other states have mandatory liability limits so low they are laughable.

New York on the other hand has so many required coverages to be able to drive that the state leaves little for you to add on your New York auto insurance yourself.

Mandatory New York Liability Coverage

New York auto insurance requirements include having to carry the minimum of $10,000 in liability coverage for damage done to the property of others. You are also required to carry the minimum limit of $25,000 in liability coverage for each person that is injured in a wreck that you cause and a minimum of $50,000 total in liability for all injuries that you cause.

While the minimums required on New York auto insurance for the injuries are set higher than most states and are adequate for most injuries, the property damage is questionably low.  If you were to total someone else’s vehicle chances are the $10,000 won’t be enough to cover it.

Mandatory New York PIP Coverage

Just like in the state of Florida, New York auto insurance requires that you carry personal injury protection (PIP) coverage on your insurance. This coverage is for injuries that happen to yourself and the passengers in your vehicle during an accident. PIP coverage can also extend to injuries that are obtained by members of your family in other vehicle accidents and as pedestrians.

Mandatory New York UIM Coverage

New York auto insurance also requires that drivers carry uninsured motorist coverage (UIM) on their policies. The UIM coverage required is for bodily injury only and not property damage. This coverage protects you in the case that an uninsured or underinsured motorist hits you and you are injured.

New York Car Insurance for Rentals

When you rent a car, in most states, you have the option of buying the insurance from the rental car company or just depending on your own insurance to kick in if anything happens to the rental.  The laws governing New York auto insurance however, are different. They require that the rental car company extend you the mandatory insurance coverages that are required in the state.

If you were to get into an accident with the rental car, your insurance policy would act as extra coverage on top of the required New York auto insurance that the rental car company is required to provide for you. Keep in mind though that the insurance that the rental car company has to provide for you does not cover the damages that may happen to the car that they rent to you.

It is best to have something in place in case that happens such as:

  • Coverage from your own personal car insurance policy that will extend to cover damages to rental cars that you drive.
  • Car insurance coverage for rental cars under the credit card that you use to rent the car.
  • Purchasing a policy through the rental car company to cover damage that may happen to their car.

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Todd Clay

Todd Clay is a former insurance agent with the largest insurance company in the United States. He earned his Bachelor’s from the University of Texas. He's worked in several fields but has specialized in insurance, financial-related information, and technology. He blogs at Car Insurance Guidebook. Connect with Tood on Google+

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