What You Need To Know About Car Insurance In New York
Whether you live in the heart of New York City, on the shore of Lake Ontario,
in the shadow of the Adirondacks, or anywhere else in the Empire State, you need to know the basics about New York car insurance coverage options. Take a look at the information below to keep in mind when you get a GEICO auto insurance quote.
Top Three Things To Know About New York Auto Insurance:
All drivers must have up-to-date car insurance that meets the NY required insurance coverage standards.
If you are pulled over by the police for a traffic violation and don't have a current car insurance ID card, you could get a ticket.
There are numerous NY auto insurance discounts available that could save you money on GEICO car insurance. When getting an insurance quote, you should ask about New York good driver discounts, good student discounts, and a discount for bundling auto insurance and home insurance. You can also save money by taking a state-approved Accident Prevention Course.
New York is a no-fault insurance state.
No-fault auto insurance is intended to help covered drivers and passengers recover from the accident and get back to work as quickly as possible regardless of who caused the accident. In New York, Personal Injury Protection is a required no-fault coverage.
Personal Injury Protection will offer the following benefits if an insured is in an accident:
Medical and rehabilitation expenses
A portion of your lost earnings from being unable to work for up to three years
Death benefits
Other household expenses
Car Insurance In New York—Minimum Coverages
Liability coverage in New York is a requirement. If your car is registered with the NY Department of Motor Vehicles (DMV), then your insurance must meet the New York liability coverage minimums. They are:
Bodily Injury minimum: Minimum $25,000 per person / $50,000 per accident
Property Damage minimum: Minimum $10,000
Uninsured/Underinsured Bodily Injury minimum: Minimum $25,000 per person / $50,000 per accident
Basic Personal Injury Protection minimum: Minimum $50,000...readmore