If your home is in Buffalo, The Big Apple or anywhere in between, SafeAuto wants to help you find New York auto insurance. While SafeAuto does not currently offer direct coverage in New York, we can still help you find the affordable coverage you need.

Required Coverages

New York’s Financial Responsibility law requires you to maintain liability limits of at least

  • $25,000 because of bodily injury to or death of one person in any one accident
  • $50,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit
  • $10,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/10 or 25,000/50,000/10,000

Proof of Financial Responsibility & Penalties

Under New York law, you are required to provide documentary proof of financial responsibility when registering your vehicle or at the request of law enforcement officials.

Insurance companies are required to notify the New York Department of Insurance whenever a policy is issued or terminates. The Commissioner may then request verification of coverage from you. 

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh; including suspension of vehicle registration and/or driver’s license, plus daily civil penalties for each day financial security/proof of financial responsibility is not in effect. 

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

Related Links:
New York Department of Motor Vehicles

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.