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New York Car Insurance Requirements

New York State law requires all drivers to carry Bodily Injury/Death Coverage; Property Damage Coverage; Economic Loss/No-Fault Insurance Coverage; and Uninsured and Underinsured Motorist Coverage.

In New York the required minimum coverage for Bodily Injury Liability/Death Coverage is:

  • $25,000 per person injured in any one accident
  • $50,000 for death of one person in one accident
  • $50,000 for two or more persons injured in any one accident
  • $100,000 for deaths of two or more person in one accident

The required minimum coverage for Property Damage is $10,000 for destruction of or injury to the property of others in any one accident.

Required Economic Loss/No-Fault Coverage will, regardless of fault, primary economic loss benefits up to $50,000 per person. Benefits cover lost wages of up to $2,000 per month up to three years. These benefits will also cover medical and rehabilitation expenses as well as psychiatric and religious healing expenses. The No-Fault Coverage requires a serious injury in order for a plaintiff to sue for recovery. Serious injury is further defined in the New York statute. As well, New York insurance companies will pay for a policy holder s claims (again, regardless of fault) up to a certain amount.

In New York the requirements for both Uninsured and Underinsured Motorist Coverage are:

  • $25,000 per person injured in any one accident
  • $50,000 for two or more persons injured in any one accident

Lastly, the State of New York requires a minimum of $50,000 in coverage for Personal Injury Protection (PIP) which will help reimburse reasonable and necessary medical bills for the policy holder and all occupants of the car involved in an accident.

Options may include Supplementary Uninsured and Underinsured Motorist coverage as well as additional economic loss insurance.

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