New York insurance information
Required Minimum Bodily Injury/Death Coverage
- $25,000 per person injured in any one accident and $50,000 because of the death of one person in one accident and $50,000 for all persons injured in any one accident and $100,000 for the deaths of all persons in one accident.
Required Minimum Property Damage Coverage
- $10,000 for injury to or destruction of property of others in any one accident
Optional Insurance Coverage
- Basic No-Fault Insurance. This coverage pays for basic economic loss benefits without regard to fault up to a maximum of $50,000 per person. The benefits cover medical, rehabilitation, psychiatric, and religious healing expenses, as well as work loss of up to $2,000 per month for no more than three years. The coverage is optional in exchange for a lower premium. Choosing this coverage limits an injured person's ability to sue a negligent driver. To sue, the injured person must prove a serious injury.
- Uninsured (UM) and Underinsured Motorist (UIM) Coverage. UM coverage is limited to a maximum of $10,000 per person injured in any one accident and $20,000 for all persons injured in any one accident. Once exhausted a supplemental UIM policy would become effective, if purchased.
Special Rules for Motorcyclists
- The No-Fault statute does not apply to motorcyclists. Therefore, motorcyclists need not comply with the serious injury threshold in order to sue a negligent driver for injuries.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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