New York Liability Auto Insurance Laws

New York State requires all cars to be insured with liability insurance with a minimum value of $25,000.

This means that your insurance company will protect you by paying up to $25,000 to any one person that is injured in an accident. This is the required minimum. You can and should purchase additional insurance protection at minimal additional cost.
If you injure someone, the injuries can result in aNew York State requires all cars to be insured with liability insurance with a minimum value of $25,000.

This means that your insurance company will protect you by paying up to $25,000 to any one person that is injured in an accident. This is the required minimum. You can and should purchase additional insurance protection at minimal additional cost.
If you injure someone, the injuries can result in a lawsuit that awards them substantially more than $25,000. Under those circumstances the insurance company will only pay up to the amount of $25,000. The additional money will come out of your pocket. It is best to have as much liability insurance as you can afford.

Automatically included in your liability policy is uninsurance and underinsurance protection of $25,000. If you are in an accident with a car that does not have insurance, then you and your passengers are covered by your insurance company. If you have purchased additional liability insurance, be certain to increase your underinsurance coverage to the same amount. This is a very good investment. It protects YOU, not the other driver. Similarly, if the other car has $25,000 of insurance coverage and your car has $75,000 of Underinsurance coverage, then once the other car's insurance company pays the $25,000, you can seek an additional $50,000 from your insurance company.lawsuit that awards them substantially more than $25,000. Under those circumstances the insurance company will only pay up to the amount of $25,000. The additional money will come out of your pocket. It is best to have as much liability insurance as you can afford.