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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