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Auto Insurance Coverage

Why Do I Need Auto Insurance?

A motor vehicle registered in NYS must have liability insurance. Insurance coverage must be a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage caused by any one accident. New York State is a no-fault state. The liability coverage must remain in effect while the registration is valid, even if the vehicle is not used (except motorcycles). –NYS DMV

Auto Insurance Coverage:
Bodily Injury and Property Damage covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident.
Personal Injury Protection:
Also commonly referred to as “no-fault insurance”, covers your medical bills for injuries sustained in a covered accident.
Uninsured/Underinsured Motorist:
Pays for damages that you are legally entitled to recover for your bodily injury in the case of an accident where the other party was not insured or did not carry enough insurance.


Pays for damages if your vehicle overturns or collides with another vehicle or object, subject to a deductible
Pays for damages caused by an event other than a collision, such as fire, theft, vandalism, or flood or if your car is stolen.
Rental Reimbursement:
Reimburses you for the cost of a rental car(up to the limits you selected) while your car is being repaired after a covered accident.