In order to legally drive a vehicle you must have auto insurance in New York.  This is for your protection as well as the other driver’s.  There are 3 kinds of automobile insurance that are legally required in order to register your auto and get license plates for it. 

Personal Injury Protection, or No-Fault, insurance is designed to compensate a driver, passenger or pedestrian who is injured by your car.  Irrespective of who caused the injury your insurance will compensate them for hospital charges and lost wages.  PIP insurance protects you from court actions that might be brought against you by somebody whatever whose mess-up the accident is.  It permits up to $50,000 compensation per person injured.  This suggests that your passengers, the other driver and their passengers and any pedestrians are each covered for that amount should they incur doctor’s bills or have to take a medical leave from their job to get over their wounds.  PIP is only meant to cover personal injury and does not pay for any damages to your auto or any other automobile involved. 

Liability insurance is designed to protect you and your assets if you or anyone driving your vehicle with your permission is to blame in a collision.  It also obligates your insurance corporation to offer you legal shield against claims of death, heavy injury or property damage.  You can select the amount of your coverage but the minimum required is $25,000 for wounds that don’t result in a death.  This also provides $50,000 for wounds that result in death.  You may also choose twice that amount of coverage which, with today’s outrageous medical costs, would be a sensible concept and costs a little more . 

Uninsured Motorists Coverage is also required and protects you in the event you or your passengers are hurt in a collision due to a driver that has no insurance.  It also covers you and others in your automobile in the event of a smash and run where the driver can’t be determined and there’s no insurer to make a claim against. 

This may sound like a large amount of insurance but car insurance necessities in new york are there to protect your interests as well as others.  By having these 3 kinds of required insurance you are defending your health and your assets from unforeseen costs as well as unexpected legal actions brought by injured parties.  Having this needed insurance means you have legal representation if you’re sued and you’ll be doubtful to lose your financial assets or future wages because of such an action. 

Having the necessary car insurance in New York won’t only protect you financially, you will have the reassurance that incorporates knowing your future and that of your family’s is protected. 

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