Best New York Auto and Car Insurance Quotes

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New York car insurance laws:
$25,000 Bodily Injury Liability; $50,000 for an injury causing death; $50,000 for an injury of two or more people in the other party; $100,000 death of two or more people of the other party
$25,000 Uninsured Motorist Coverage; $50,000 max
$50,000 minimum Personal Injury Protection
$10,000 minimum Property Damage Liability

New York’s no-fault system states that each party pays for their own injuries, no matter who caused the accident. Personal Injury Protection will cover medical help for the driver, passengers, and any pedestrians who were struck by the car.

If Personal Injury Protection coverage will pay for each party’s needs, why must New Yorkers also possess Bodily Injury Liability? If another party takes out a lawsuit, claiming you were at fault for an accident, your Property Damage Liability and Bodily Injury Liability should cover those costs. In order to file a lawsuit over an auto accident in New York, one’s injury must be deemed “serious”, or costs must exceed the Personal Injury Protection coverage.

In order to register a car in New York, you must show a valid insurance card and have your car insurance company send an electronic file to the DMV. If any lapses in insurance occur, the DMV will send a notice through the mail. If you know your insurance will lapse for any reason, you must give your license plates to the DMV in order to avoid suspensions. Additionally, all New York vehicles must be insured by a car insurance company that is authorized by the New York Insurance Department.

If your car insurance lapses for less than 90 days, you may opt to pay a penalty rather than submit your license plate. For the first thirty days you will pay eight dollars per day. The next thirty days will bring a charge of ten dollars a day. From then on until day 90, the charge will by twelve dollars a day. This means you could end up paying $900 in fees.

Instead of worrying about fees and surrendered license plates, stay organized and find car insurance at a great cost! Searching for car insurance on the web is the easiest way to compare prices. Some websites will give you multiple quotes, which is the most efficient way of shopping for car insurance. While searching for quotes, don’t forget factors like age, profession, driving record, safety features, and credit score can all play a part in lowering your premium. Happy shopping!