All licensed drivers in the state of New York are required to carry car insurance. All insurance policies must meet these minimum requirements:
Drivers must obtain insurance for all registered vehicles including motorcycles. When you register a vehicle you must submit proof of insurance electronically and in-person. Drivers who do not carry insurance in New York risk losing their drivers license and can also face hefty fines.
In many states including New York, minimum insurance limits are also referred to as “liability” car insurance. Liability insurance helps to ensure that everyone involved, whether they caused the accident or not, is covered for their personal injuries and property damage. If drivers of both vehicles carry insurance they are able to submit claims to their insurance companies to cover the cost of their car repairs and medical bills of their passengers.
No-fault insurance was designed to protect the insured. No matter who caused the accident, no-fault insurance guarantees that both parties will receive reimbursement for their own damages if they carry personal car insurance. In addition to property damage, no-fault insurance also helps the insured to obtain repayment for medical bills, loss of wages, and medical equipment. In New York, individuals can receive up to $50,000 for these expenses.
New York state laws outline who receives the benefits of no-fault insurance in the case of an accident. According to the law drivers, passengers, pedestrians, and cyclists all benefit from no-fault insurance. Furthermore, to receive the benefits of no-fault insurance, the accident must occur in New York and the vehicle/driver involved in the accident must have an insurance policy issued in the state of New York. It’s also important to note that motorcycles and motorcyclists are not covered under no-fault insurance laws.
New York state laws outline who receives the benefits of no-fault insurance in the case of an accident. According to the law drivers, passengers, pedestrians, and cyclists all benefit from no-fault insurance. Furthermore, to receive the benefits of no-fault insurance, the accident must occur in New York and the vehicle/driver involved in the accident must have an insurance policy issued in the state of New York. It’s also important to note that motorcycles and motorcyclists are not covered under no-fault insurance laws.
Anyone who is involved in a car accident in the state of New York and wants to file a no-fault insurance claim must follow a specific process. It’s important to follow the exact requirements to file a claim or coverage could be denied. The basic requirements of filing a no-fault claim in New York are:
Following these simple steps after an accident helps ensure coverage by the insurance company. Drivers who are in an accident and unsure of the proper steps to take can consult the local authorities, their insurance agent, or a trusted attorney.
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