Understanding New York Auto Insurance Coverage Requirements
New York State requires all drivers to carry three main types of auto insurance coverage: liability coverage, uninsured motorist (UM) coverage, and personal injury protection (PIP). Liability coverage pays for injuries, deaths, or property damage you may cause to others, with specific limits for bodily injury and fatalities. UM coverage protects you and your passengers in accidents involving uninsured or hit-and-run drivers. PIP ensures quick access to medical care and financial recovery, regardless of fault, and provides additional benefits in the case of fatalities. While these minimum coverages are mandatory, drivers are encouraged to consider higher limits for better financial protection.
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Why People Should Have Renters Insurance
Renters in New York City should look into getting renters insurance to protect their belongings, as a landlord's insurance only covers the building, not personal property. Renters insurance provides affordable protection against natural disasters, theft, and accidents, along with liability coverage in case someone is injured in your rental. It also helps cover temporary housing costs if your home becomes uninhabitable. With unpredictable weather and flood risks on the East Coast, renters insurance is a smart, cost-effective way to safeguard your possessions and ensure peace of mind.
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