State law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage liability for auto insurance. A “no-fault” coverage of $50,000 is mandatory. Uninsured motorist liabilities, with a limit of $25,000/$50,000, and personal injury protection, with a $50,000 limit, are also required. Check with your auto insurance company to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

Bodily injury liability
If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of you auto insurance company representing you in court.

Property damage liability
When you cause accidental damage to another person’s property, be it a car, fence, pole, wall, etc, with your vehicle, property damage liability will cover repairing costs. It will also cover any legal costs that may ensue from the accident. Any additional costs over your coverage amount could leave you paying for repairs out of pocket.

Uninsured motorist liability
In the scenario you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured motorist liability will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Personal injury protection
Regardless of who was the driver at fault, personal injury protection covers the medical expenses of you and your passengers when in an accident. You may consider using this coverage in conjunction with the coverage of your current health insurance policy. It also covers the medical expenses of any pedestrians struck by your vehicle. If you constantly carpool, you will want to consider increasing the limit of your personal injury protection above the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

New York operates under a no-fault system. This means that in an accident, all expenses of an individual’s injuries or vehicle repairs are the responsibility of that same individual’s auto insurance company, regardless of who was at fault for the accident. In other words, each person pays for their own expenses.

In the state of New York there are heavy penalties for driving without auto insurance. If your auto insurance expires and you do not renew, or if you do not have auto insurance, you are required to surrender your vehicle plates to the DMV. Failure to surrender your plates will lead to suspension of your registration and driver’s license.

New York Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Coverage: $10,000 Limit
• Uninsured Motorist Liability: $25,000/$50,000 Limit
• Personal Injury Protection: $50,000 Limit

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