The State of New York currently requires that all drivers be
covered under liability auto insurance and that proof of car insurance always
be carried within the vehicle at any moment.
The New York Department of Motor Vehicles (DMV) has the Insurance
Information and Enforcement System (IIES), that will detect uninsured vehicles.
Insurers are required to report to the DMV information, such as cancellations,
renewals, and issuance of new policies, on all persons they insure for motor
vehicle insurance. This information is entered into an electronic database that
will continuously track insurance coverage for each registered vehicle. Failure
to maintain liability insurance coverage for your car at all times can result
in the suspension of your vehicle registration and driver’s license, as well as
other substantial monetary penalties.
If you are driving uninsured in New York and are involved in an
accident, your driver's license and vehicle registration will be revoked for a
minimum of one year. You will suffer the same consequences if you allow someone
else to drive your car without liability insurance and they are involved in an
accident. This type of violation also calls for a traffic court fine in the
amount of $1,500. Additionally, you will be charged $750 as a civil penalty,
which you will have to pay the DMV in order to have your license reinstated
New York Minimum Liability Coverage
Liability coverage is required by law in the State of New York.
The minimum liability amounts for the State of New York are as follows:
$25,000 bodily injury per person.
$50,000 total bodily injury per accident.
$10,000 total property damage per accident.
Remember that these are only the minimum requirements set by the
state. Experts always advise that drivers get more than the state-mandated
minimums, particularly if you have assets you need to protect, since these
limits have not kept pace with the skyrocketing costs of car repairs and
medical care. Also, getting liability coverage alone will not cover you in case
of damage to your own car, so most drivers will want to add collision and
comprehensive coverage to their policies.
Uninsured/Underinsured Motorist Coverage
Some, not all, states will require that drivers carry UM/UIM, also
known as uninsured/underinsured motorist coverage. This coverage will protect
the driver in the event that an accident occurs and the other party does not
have auto insurance.
The State of New York currently requires UM and UIM coverage, with
a minimum coverage limit in line with the state's bodily injury liability
limits.
No-Fault Insurance
New York is a no-fault state, so no-fault insurance is required
(see PIP below).
Personal Injury Protection (PIP)
PIP is an extension of car insurance available in some U.S. states
that covers medical expenses and, in some cases, lost wages and other damage.
As a no-fault state, the State of New York current requires
drivers to carry PIP insurance with the following minimum coverage limit:
$50,000 per person per accident.
in New York, PIP covers the following:
Reasonable and necessary accident related
medical and rehabilitation expenses (in accordance with established fee
schedules)
80% of lost earnings from work, up to a maximum
payment of $2,000 per month for up to three years from the date of the
accident; subject to statutory offsets for New York State disability, Worker’s
Compensation and Federal Social Security disability benefits.
Up to $25 a day, for up to a year from the date
of the accident, to reimburse other reasonable and necessary expenses, (e.g.,
household help, and transportation expenses to/from medical treatment)
resulting from the auto accident; and
A $2,000 death benefit (in addition to the
$50,000 basic no-fault limit), payable to the estate of a person eligible for
no-fault benefits who is killed in a motor vehicle accident.
New York SR-22 Requirements
SR-22 is a document that is required to be filed with a state's
DMV as proof that the minimum liability coverage for the state is being
carried. Not everyone needs an SR-22 filing. SR-22s are typically required for
a driver to reinstate their driving privileges after an offense such as a DUI
conviction, uninsured auto accident, or driving without proof of insurance.
New York currently does not require an SR-22 filing to reinstate a
driver's license.
New York DWI Laws
For the first DWI offense in the State of New York, you will face
the following maximum penalties:
Class “E” felony if minor under 16 in vehicle
Up to 1 year imprisonment; up to 4 years if
minor under 16 in vehicle
$500 to $1,000 fine; up to $5,000 if minor
under 16 in vehicle
Minimum 6 month license suspension
Mandatory surcharge
Mandatory alcohol screening/evaluation
Possible ignition interlock
Possible driver responsibility assessment
Additional Information on New York Insurance
For additional information, you can contact the New York State
Insurance Department at (800) 342-3736 or go to their website at
ww.ins.state.ny.us/.
Auto Insurance Cheapest Rates From Just $19 A Month, auto
insurance info, Get A Car Insurance Quote & You Could Save $500,
Progressive Auto Insurance,
