New York Auto Insurance
SafeAuto wants to help you find cheap auto insurance in your area. While SafeAuto does not currently offer direct coverage in New York, we can still help you find the affordable coverage you need.
REQUIRED COVERAGES IN NEW YORK
Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims.
New York's Financial Responsibility law requires you maintain liability limits* of at least:
$25,000 | Bodily Injury per Person
The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.
$50,000 | Bodily Injury per Accident
The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.
$5,000 | Property Damage
The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.
*Liability limits are typically expressed as three amounts separated by slashes 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 these 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 LINKSNew York Department of Motor Vehicles
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