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What Insurance Coverages are Required In New York?

For all drivers in the state of New York, there is a minimum requirement regarding the insurance coverage that must be carried. In New York, there are some differences in insurance coverage that not every state recognizes.

As a driver, it’s important for you to not only recognize the minimum requirements, but also understand the importance of these limits should you be involved in a car accident. Here are the minimum coverage requirements you are expected to have in the state.

  • Liability coverage: This is an important type of coverage to have when you are the person who causes the accident. Liability coverage is typically split into three sub-coverages:
    • Bodily injury per person: the minimum limit for this is $25,000. It allows for $25,000 of coverage for each person injured in the accident.
    • Bodily injury per accident: the minimum limit for this is $50,000. It allows for a total of $50,000 coverage for all injured parties in the accident. Any amount in excess of the coverage provided becomes your responsibility.
    • Property damage: the minimum limit for this is $10,000. It allows you to cover damage to the other party’s vehicle if you’re at fault for an accident.
  • Uninsured motorist coverage: This type of coverage is used to protect you in the event you are involved in a wreck with a driver who is uninsured, or in a hit and run. The minimum limits are the same as liability coverage.
  • No-fault coverage: The limit for this is $50,000 and is designed to cover you under New York’s no-fault insurance statute.

Our New York car accident attorneys at Levine and Wiss are aware of how matters are handled when complex insurance coverages are involved. We help injured individuals not only understand how they can receive compensation through their coverage, but also how to take legal action should another party’s negligence cause serious injury or significant vehicle damage.

Call our firm today at (888) 973-0344 if you have been injured in a car accident.