The state of New York follows a No-Fault
system meaning your insurance company will make payments for
your injury claims regardless of fault, up to a specified limit.
You should be aware that the details of a no-fault system vary
from state to state and it is best to check with your state
insurance regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites.
New York state law requires minimum Bodily
Injury Liability coverage of $25,000 per injured person up to a
total of $50,000 per accident, and Property Damage Liability
coverage with a minimum limit of $10,000. This basic coverage is
often referred to as 25/50/10 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. New York state law
requires a minimum Personal Injury Protection coverage of
$50,000.
To help protect against damages caused to
you and your passengers by an uninsured driver, New York state
law requires a minimum Uninsured/UnderInsured Motorist coverage
of $25,000 per person, $50,000 per accident for any bodily
injury caused by the uninsured driver.
