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New York Auto Insurance Requirements

New York law requires that you have minimum Bodily Injury Liability of $25,000 per person - $50,000 per accident limit, and Property Damage limit of $10,000.

New York Insurance Coverage Minimum Limits:
Bodily Injury $25,000/$50,000 - Property Damage $10,000
Uninsured/Underinsured Bodily Injury: $25,000/$50,000
Personal Injury Protection: $50,000

New York maintains a No-Fault Tort system meaning your insurer will pay for your injuries regardless of fault, up to a predetermined amount. Usually, you will fore go some of your rights to sue under a No-Fault Tort system. No-fault tort systems vary by state.

New York law requires you to buy Personal Injury Protection (PIP) to pay for medical expenses in the amount of up to $50,000. You are also required to have Uninsured/Underinsured Motorist coverage to protect against damages caused to you and your passengers by an Uninsured/Underinsured driver in the amount of $25,000 per person up to a total of $50,000 per accident for any bodily injury.

When completing a quote with QuoteMatcher.com, you will find that our coverage page allows you the option to select coverages that match your personal needs, you can customize each and every deductible or limit. If you are uncertain of a particular limit to choose, you will always have the option to make a change to your coverages before you buy your policy.

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