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New York Auto Insurance Minimum Requirements
New York auto insurance requirements by law are a basic coverage which is also known as 25/50/10 coverage. The law in the state of New York requires minimum Bodily Injury Liability limits of 25,000$ per wounded person up to 50,000$ per accident. Property Damage Liability coverage has a minimal 10,000$ limit in the state of New York.
Bodily Injury Liability: 25,000$ per injured person/50,000$ Per Accident Limits
Property Damage Liability: 10,000$ Limit
New York state follows a No-Fault system which means that your insurance company will pay for claims without considering the fault, until a chosen limit. Ofcourse that within a No-Fault system, you don’t have full rights to sue. No-fault system details differ in each state.
PIP, which is mostly referred as Personal Injury Protection, pays the medical costs for every person in your vehicle. The law in the state of New York demands a PIP minimal coverage of 50,000$.
To protect everyone in the vehicle from any damage that an uninsured driver has caused, New York state law demands a minimal Uninsured and/or Underinsured Motorist coverage of 25,000$ per person up to 50,000$ per accident for any injury caused by an uninsured/underinsured driver.
The average car insurance premium for New York drivers in 2009 is 2,432$. The national auto insurance premium average in 2009 is 1,794$. Many people assume that insurance companies and the state determine the prices, so they never do any comparison in order to get lower costs for their insurance policy. Insurance companies determine their prices individually so that one’s costs will differ with every company. You have to compare car insurance quotes in order to save money. CarInQuotes provides New Yorkers with a free car insurance comparison service so that you can discover affordable car insurance and discount car insurance in New York, so that every resident of the Big Apple can get the best coverage and best rates on their car insurance. Now is the best time to shop around for new low cost car insurance NY, so start comparing New York car insurance quotes online and save hundreds of dollars instantly!