New York Auto Insurance Requirements and Coverage - Buffalo
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In New York, you are required to have several types of car insurance. Luckily, you can get a discount on your car insurance premium just for taking a driver safety class.
Car Insurance Requirements
New York mandates that all registered vehicles in the state carry the following:
- Liability car insurance.
- No-fault auto insurance.
- Uninsured motorist insurance.
Liability Insurance
Your liability car insurance policy must have the following minimums:
- $25,000 for injuries to one person.
- $50,000 for injuries to multiple people.
- $50,000 for death to one person.
- $100,000 for death to multiple people.
- $10,000 for property damage.
Liability car insurance only pays for accident-related damages and injuries you caused to someone else. Liability does not cover your own personal costs.
You can often obtain a discount on your insurance rates by taking a certified safe driving class.
No-Fault Insurance
New York also requires that you have no-fault coverage, which helps you with costs after an accident regardless of who was at fault
New York basic no-fault coverage includes a limit of $50,000 per person to cover the following:
- Your accident-related medical expenses.
- 80% of lost income due to injuries from a car accident, with a limit of $2,000 per month for up to 3 years.
- Up to $25 a day for expenses such as household help (for up to 1 year from the date of the accident).
- A $2,000 death benefit on top of the $50,000 limit.
No-fault insurance will cover your medical costs after an accident before your health insurance. If your medical costs exceed your no-fault coverage limit, your health insurance will then kick in.
Uninsured Motorists Coverage
In New York, you are also required to have uninsured motorists coverage to cover costs relating to injuries resulting from a car accident. The minimum uninsured coverage you must have for bodily injury is:
- $25,000 for injuries to one person.
- $50,000 for injuries to multiple people.
Uninsured drivers coverage will not cover property damage.
Driving Rules for Older Drivers
Licenses last eight years, with no special provisions for older drivers.
The Department of Motor Vehicles can re-evaluate a driver of any age based on a specific reason, such as a driving incident or action reported by a doctor, police officer or observer. It also can restrict licenses to such things as daylight driving only.