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Three Most Common Auto Insurance Questions


Date: 2018-04-05

New York is a No-Fault Insurance state, what does that mean?

No-fault auto insurance promptly pays personal injury claims and lowers potential litigation costs. For example, if two cars collide, both drivers and passengers get treated at the hospital. Both file claims with their respective insurance, the insurers are required to pay personal injury and related loss of wages claims filed by policyholders, regardless of who caused the accident.

What is the required Auto insurance coverage for a New York state driver?

Per the DMV of New York State, "New York State law requires that motorists carry a minimum amount of liability insurance of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident. Mandatory "no-fault" coverage of $50,000 is also required."

I don't have a car or auto insurance, but I often rent cars for work, should I look into coverage?

Rental companies maintain a certain minimum liability coverage, so you are covered when you rent your car. However, if you find yourself renting often you can look into Non-Owned Automobile liability coverage policies if you like the extra piece of mind before getting behind the wheel. Also, know that most rental companies will extend your personal liability to rental vehicles within 50 states and US territories, some even include Canada and Mexico.

Do you still have questions? Maybe about adding a teen driver or steps you can take for discounts with your coverage. Give the office a call today and we'll be happy to talk about tailored coverage options for your needs.


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